Founded in Jan 2017, PT. Digital Tunai Kita (DTK) is a joint venture between Wecash Southeast Asia (Wecash SEA), JAS Kapital (JASK) and Kresna Usaha Kreatif (KUK). DTK is an Indonesian technology company operating under the POJK/77 peer-to-peer licensing framework that combines first principles of finance, mobile technology, big data and machine learning for faster and better credit evaluation and loans underwriting. DTK unites Wecash’s best-in-class technology platform and online loans expertise with JASK’s and KUK’s market knowledge and local know-how. In so doing, DTK aims to improve financial inclusion and improve the lives of Indonesian consumers through responsible credit. DTK works closely with banks and multi-finance companies to improve consumers’ access to unsecured cash and white goods loans, while decreasing non-performing loans by up to 70%.