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**Fintech** companies are increasingly playing a role in the Indonesian lending landscape. They're using technology to offer innovative lending products and services, often targeting underserved populations. **Alternative data**, such as mobile phone usage, social media activity, and utility bill payments, is also being used to assess creditworthiness. This can help expand **financial inclusion** by providing access to credit for individuals who may not have a traditional credit history. However, it's important to be aware of the data privacy implications of using alternative data. Ensure that the fintech companies you work with have robust data protection measures in place.
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