JULO is a digital lending company that is revolutionizing access to financial products for millions of emerging consumers in Indonesia. The Company has developed the first digital data-driven credit underwriting and risk assessment platform to process consumer loan applications and determine their creditworthiness using its mobile app. Established in late 2016, JULO deployed its lending platform in Jakarta and surrounding cities, and the Company is about to enter a hyper-growth period. Expansion to the rest of Indonesia is expected to complete within a year. JULO is based in Jakarta and is backed by leading venture capital firms in Indonesia and Singapore.