This document discusses opportunities in fintech lending in Indonesia and how datacomm cloud business can help address challenges fintech companies face. Specifically: 1) Fintech lending is expected to reach IDR 223 trillion in loan disbursements by 2020, driven by Indonesia's large working population and many MSMEs. 2) Fintech companies keep CIOs awake at night worrying about building scalable infrastructure, reliability, security, agility, regulatory compliance, and customer experience. 3) Datacomm cloud business offers security and cloud services that provide scalability, reliability, and agility through approaches like microservices and containers, while ensuring data sovereignty and compliance with Indonesia's regulatory requirements for fintech