Peer-to-peer lending platform is an electronic platform provider which takes a matchmaker role between lenders and borrowers. Its roles also include facilitating loan contracts and carrying out fund transfers and repayments between the parties. The benefit of having the platform is to be an alternative means for people to gain access to credit with appropriate costs, while also providing more channels for investment. Prior to applying for a license from the Ministry of Finance, BOT requires any person who would like to operate the business to test their service in the regulatory sandbox, in order to ensure proper risk management and consumer protection.