KUFI is the biggest leading provider of online micro loans in Indonesia. With the mission of utilizing technology to make personalized loan accessible, we target hundreds of millions of young, mobile-active consumers in Indonesia who need access to small loan for their discretionary spending, but are underserved by traditional financial institutions due to lack of traditional loan data and operational inefficiencies of traditional financial institutions. Rupiah Cepat uses big data and machine learning to provide credit scores and loan approvals quickly and with quality. Rupiah Cepat operates in Indonesia based on OJK Regulation No. 77 / POJK.01 / 2016 and has been registered and licensed and supervised by the Financial Services Authority. Rupiah Cepat apps already downloaded by more than 12 million users with a calculation of 280.000 people who accsess it everyday. Prospective borrowers can apply for loan on their mobile phones, and receive approval within a few minutes. Approved borrowers are then able to draw down their cash loan with cash disbursed immediately into their Bank accounts.