Reinier Musters joins us to review the latest breakthroughs in online SME lending in Indonesia, including critical improvements in credit scoring. Nikel, a company that Reinier founded in early 2019, has championed “embedded lending”, a turnkey solution which promises to empower a wide variety of platforms with a newfound ability to lend to Indonesian SME’s. Citing a fascinating collaboration with leading hotel platform RedDoorz allowing hotel partners to refurbish their properties through revenue-based lending, Reinier also sees e-commerce sites and other marketplaces as offering important use cases of the Nikel solution.