KinerjaPay Corp., a digital payment and e-commerce platform, announced is ready to launch its own indigenous application for micro lending business with peer-to-peer platform to facilitate credit facility. Indonesia’s Financial Services Authority (OJK) estimates the country’s demand for consumer and small business financing at approximately US$125 billion. The regulator also said that domestic financial institutions can address an estimated $50 billion, leaving a financing gap of about $75 billion which is not being served by financial institutions.