Behavior Analysis of Using Fintech Peer-to-Peer (P2P) Lending Applications in DKI Jakarta with Intention of Using It as an Intervening Variable

Abstract

This study aims to determine the effect of perceived usefulness, perceived ease of use, perceived trust, and perceived value on intention to use as an intervening variable and the effect of intention on the behavior of using fintech peer-to-peer lending applications. The population in this study were people in DKI Jakarta Province, the sampling was carried out by purposive sampling with the criteria that the respondent had to be domiciled in the DKI Jakarta Province and had at least made two loans to payment by peer-to-peer lending application. The sample used in this study was 125 samples. The data analysis technique used is Structural Equation Modeling (SEM). The results showed that perceived usefulness, perceived ease of use, perceived trust, and perceived value had a significant effect on the intention to use fintech peer-to-peer lending applications, and intention to use had a significant effect on the behavior of using fintech peer-to-peer loan application.