Analysis Factors Affecting Lenders Intention In P2p Lending Platform Using Utaut2 Model | Zendy

Angelina Et.al | Zendy

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Analysis Factors Affecting Lenders Intention In P2p Lending Platform Using Utaut2 Model

Author(s) -

Angelina Et.al

Publication year - 2021

Publication title -

türk bilgisayar ve matematik eğitimi dergisi

Language(s) - English

Resource type - Journals

SCImago Journal Rank - 0.218

H-Index - 3

ISSN - 1309-4653

DOI - 10.17762/turcomat.v12i3.1628

Subject(s) - expectancy theory , business , affect (linguistics) , unified theory of acceptance and use of technology , social influence , risk perception , indonesian , monetary economics , economics , psychology , social psychology , perception , communication , neuroscience , linguistics , philosophy

Peer-to-Peer (P2P) lending platform is relatively new to Indonesian market and it managed to dominate Financial Technology in Indonesia by 2019. This fast growth is influenced by simple borrowing and lending activity regulation compared to more traditional markets like banks. Most of previous studies had been focusing on borrowers’ side whereas the lender's side was minimally highlighted. Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) is used to analyze key factors that affect the usage of P2P Lending with addition of trust and risk. This research used SmartPLS to calculate the effect of each variable and found that effort expectancy, social influence, facilitating condition, trust, and risk have positive effects on lenders intention to use the P2P lending platform

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