Creation of the FDC
The OJK and AFPI have created the Fintech Data Center. It will be a database of all the borrowers using p2p. It will be used to log information about a debtors ability to repay, see whether they have existing loans, as well as keeping their personal information on file (tax #, employment,etc.).
It can be used by all the p2p companies. So far 5 companies have integrated their system with the FDC. It's designed to take some of the burden off the individual companies, by not having to use their own verification and credit check system.
My guess is this will become mandatory be the end of 2020. KFUND should do it now, help to keep their defaults at zero.