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  "documentTitle": "Unlocking the next  wave of digital growth: beyond metropolitan Indonesia",
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  "notes": "The slide uses a three-column layout to categorize specific challenges in the Indonesian fintech lending market.",
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      "text": "Low ease of use for borrowers; Negative consumer perception; Lack of sector accessibility",
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      "text": "I am worried because I have heard some bad news, such as scams and high rates that are related to digital lending.",
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      "text": "The mobile applications are hard to use, and my loan requests keep getting rejected.",
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      "text": "I am worried that there will be a transaction failure because we don't have good-quality Internet in this region.",
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      "text": "Source: primary interviews, Nielsen, Alpha JWC; Kearney analysis",
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      "text": "However, fintech lending still faces constraints that need to be solved to accelerate growth.",
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