Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) is an official association for peer-to-peer lending businesses in Indonesia, appointed by the Financial Services Authority (OJK)[1][4]. AFPI offers regulatory oversight, a code of conduct, and access to the Fintech Data Center (FDC) to enhance lending quality[4][5]. Their target audience includes fintech companies and unbanked/underserved communities seeking financial services[1][3]. The unique selling proposition is providing innovative credit scoring and facilitating easy, technology-based financial access[1][3].