JULO is a fintech company in Indonesia that offers low-cost personal loans to smartphone users. Their platform connects institutional lenders to underbanked individuals through a smartphone application, making it easy for loan applicants to submit necessary documents and receive their loan within a day. JULO focuses on prudent underwriting assessments to ensure that approved applicants are able and willing to repay their loans. They also incentivize positive behavior by offering cashback bonuses and allowing good customers to borrow larger amounts at lower interest rates. With their mission to help millions of Indonesians improve their lives, JULO aims to become a one-stop financial solution for all Indonesians.