Apakah Financial Technology (Fintech) Sama dengan Pinjaman Online? Yuk, Cari Tahu di Sini!
Pasti sering mendengar mengenai financial technology. Juga pernah mendengar pinjaman online. Tapi, apa beda di antara keduanya ya? Apakah sama?
The Indonesian Joint Funding Fintech Association (Asosiasi Fintech Pendanaan Bersama Indonesia - AFPI) is an organization that houses the Fintech Peer to Peer (P2P) Lending or Fintech Online Funding business in Indonesia. AFPI was appointed by the Financial Services Authority (OJK) as the official association of information technology based lending and borrowing service providers in Indonesia, based on letter No. S-5 / D.05 / 2019.
The Indonesian Joint Funding Fintech Association (AFPI) built a financial technology data center or Fintech Data Center (FDC) for online loan service providers (fintech) in the country. AFPI revealed that the fintech data center will make it easier for peer to peer (p2p) fintech companies to conduct credit assessments of borrowers so that the online fintech lending business in the country can grow healthy.
AFPI hopes that the presence of the association with the organizers can increase literacy and community involvement through easy access to finance from fintech lending.
In general, the function of FDC is to make it easier for all online loan service providers to conduct credit assessments when lending because the FDC system allows all data between fintech users (who have been registered and supervised by the FSA) to be integrated with one another.
The presence of FDC is one of AFPI's innovative breakthroughs that has a role and function as a self-regulatory organization that houses the online loan fintech industry in Indonesia.