As one of the most prominent emerging industries in the global frontier, new fintech companies are cropping up across the globe every day. Among those in Indonesia is Kredit Pintar, a leading financial technology company that aims to improve the financial welfare of the local population. Like other businesses in this industry, they are using technology to deliver conventional financial services. In particular, PT Kredit Indonesia moves in providing online loans (pinjaman uang online). But not only that, they are driven by the goal of making loans as easily accessible as possible for the mainstream community.