Artificial intelligence, big data analytic, and blockchain technology have created a massive change in our way of life. We focus on creating disruptive technology to make more efficient and effective of transaction by understanding behavior of people based on big data and perfecting models based on system and performance. We are developing a platform of integrated P2P Lending System, Credit Scoring and E-money. The platform shall have an 95% automated system which will reduce the cost significantly compared to similar platforms which consist of 40-50% operating manually in the Indonesian market. We employ artificial intelligence and big data to build a robust credit scoring system. We use artificial intelligence to build self-development dictionary of Bahasa as a tool to understand the intent of words and sentence. The artificial intelligence is also used for perfecting the credit scoring model based on the data of non-performing loan.