Catching Up with Fintech

Bank Indonesia and the Financial Services Authority (OJK) are often left behind by the advances in IT-based financial services. Several of their regulations are contradictory and have failed to anticipate the speed of this financial technology, or fintech, sector.

Who could have imagined that there would be companies able to lend capital without meeting their clients? Now they are springing up everywhere. According to the OJK, in the first quart

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