OJK clamping down on illegal p2p lenders. This is going to benefit KPAY and other legally permitted lenders. https://kr-asia.com/indonesias-ojk-blocks-297-illegal-p2p-lenders https://www.idnfinancials.com/news/30541/ojk-illegal-pp-lenders-november https://www.thejakartapost.com/news/2019/11/04/1369-illegal-p2p-lending-platforms-blocked-some-based-in-china-us.html https://en.tempo.co/read/1200220/ojk-terminates-543-fintechs-p2p-lenders-operating-illegally