The world has transformed from traditional business model into digitalised business model, financial services as well. As financial sector is strictly regulated by worldwide regulator in the past, there’s the dilemma on the regulation in the combination of Financial Technology (“Fintech”). This paper...

It has been commonly known that it is not easy for micro, small and medium enterprises (hereinafter referred to as MSMEs) and start up business to have access to the bank loans as a means of financing due to strict banking regulations imposed. These business really need financially supports by financier...