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Examining the Factors Contributing to Fintech Peer-to-peer Lending Adoption

Journal of Information Systems Engineering and Business Intelligence · Vol. 7 No. 2 (2021) · hlm. 91–101

DOI
10.20473/jisebi.7.2.91-101
ISSN
2443-2555, 2598-6333
Terbit
2021-10-28
Penerbit
Universitas Airlangga
Bahasa
eng

Abstrak

Background: Peer-to-peer (P2P) lending platform is one of key disruptive business models in financial technology. It bridges lenders and borrowers directly. Researchers have studied the leverage mechanism behind the P2P lending platform.Objective: This research proposes an enhanced technology acceptance model (TAM) to investigate how consumers embrace P2P lending platforms using quality of service and perceived risk as drivers of trust.Methods: This research uses structural equation modeling (SEM) to test the hypothesised connections between the latent variables.Results: The findings show that users' trust, perceived usefulness, and perceived ease of use in P2P lending platforms significantly influence attitudes towards adoption. Meanwhile, consumers' perceived risk in using P2P lending platforms is unaffected by the quality of service.Conclusion: The estimated model is consistent with the results shown in previous studies. The findings of the current research are useful for fine-tuning platform marketing plans and putting strategic goals into actions. For future research, we suggest including more variables to better understand the adoption intention of P2P lending platforms.Keywords: Adoption intention, Peer-to-peer lending, Structural equation modeling, Technology acceptance model

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17 penulis · 41 tautan kepenulisan bersama · 25 lintas organisasi

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  • State University of Jakarta
  • Indonesia University of Education
  • Indonesia Defense University
  • Universitas Airlangga
  • Universitas Panca Sakti Bekasi
  • Tashkent State University of Economics
  • State University of Semarang
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Rekan penulisOrganisasiArtikel bersama
Dewi GathmyrIndonesia Defense University2
Herlitah HerlitahState University of Jakarta2
Ratna Tri Hari SafariningsihUniversitas Panca Sakti Bekasi1
Hamidah HamidahUniversitas Airlangga1
Joseph WilsonAfiliasi tidak diketahui1
Juliana JulianaIndonesia University of Education1
Inomjon QudratovTashkent State University of Economics1
Uum SumiratIndonesia University of Education1
Lazuardi Imani HakamIndonesia University of Education1
Ahmad NurkhinState University of Semarang1
Christian Wiradendi WolorState University of Jakarta1
Wong Chee HooINTI International University1
Mahmoud Ali RababahIrbid National University1

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Sumber metadata: OAI-PMH (metadata jurnal) https://e-journal.unair.ac.id/JISEBI/oai, pertama di-harvest 29 Okt 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Examining the Factors Contributing to Fintech Peer-to-peer Lending Adoption</dc:title>
	<dc:creator>Sunardi, Rudy</dc:creator>
	<dc:creator>Suhud, Usep</dc:creator>
	<dc:creator>Purwana, Dedi</dc:creator>
	<dc:creator>Hamidah, Hamidah</dc:creator>
	<dc:description xml:lang="en-US">Background: Peer-to-peer (P2P) lending platform is one of key disruptive business models in financial technology. It bridges lenders and borrowers directly. Researchers have studied the leverage mechanism behind the P2P lending platform.Objective: This research proposes an enhanced technology acceptance model (TAM) to investigate how consumers embrace P2P lending platforms using quality of service and perceived risk as drivers of trust.Methods: This research uses structural equation modeling (SEM) to test the hypothesised connections between the latent variables.Results: The findings show that users' trust, perceived usefulness, and perceived ease of use in P2P lending platforms significantly influence attitudes towards adoption. Meanwhile, consumers' perceived risk in using P2P lending platforms is unaffected by the quality of service.Conclusion: The estimated model is consistent with the results shown in previous studies.  The findings of the current research are useful for fine-tuning platform marketing plans and putting strategic goals into actions. For future research, we suggest including more variables to better understand the adoption intention of P2P lending platforms.Keywords: Adoption intention, Peer-to-peer lending, Structural equation modeling, Technology acceptance model</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Airlangga</dc:publisher>
	<dc:date>2021-10-28</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://e-journal.unair.ac.id/JISEBI/article/view/28292</dc:identifier>
	<dc:identifier>10.20473/jisebi.7.2.91-101</dc:identifier>
	<dc:source xml:lang="en-US">Journal of Information Systems Engineering and Business Intelligence; Vol. 7 No. 2 (2021): October; 91-101</dc:source>
	<dc:source>2443-2555</dc:source>
	<dc:source>2598-6333</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://e-journal.unair.ac.id/JISEBI/article/view/28292/15932</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 The Authors. Published by Universitas Airlangga.</dc:rights>
</oai_dc:dc>