The Effect of Perceived Ease of Use, Perceived Usefulness, and Risk on User Interest in Using Financial Technology Peer to Peer Lending

DOI

10.2991/aer.k.211106.096How to use a DOI?

Keywords

perceived ease of use; perceived usefulness; risk; user interest

Abstract

This study aims to regulate the effect of perceived ease of use, perceived usefulness, and risk on user interest in using financial technology peer-to-peer lending. Peer-to-Peer Lending is a loan acceptance financial business that uses an internet-based electronic system to connect lenders and borrowers in the context of lending and borrowing agreements. Fintech makes it easy for users to get loan funds so that borrowers can borrow funds with a nominal that exceeds their needs and abilities. However, this has resulted in many victims of fintech users being terrorized by repeated calls, disseminated ID cards or other identities, and contacting the closest person as means of embarrassing the victim. This research has never been done before and it has an important role because there are many issues of fraud, cybercrime, terror, data leakage, data misuse, and inflated debt in illegal Peer-to-Peer Lending that must be resolved. The research subjects are 120 users who have used Financial Technology Peer-to-Peer Lending. Data were taken by distributing questionnaires. The methods used to measure the interest of using Peer-to-Peer Lending were descriptive and verification to determine the effect of perceived ease of use, perceived usefulness, and risk on user interest. The results show that all the variables used have a positive effect on user interest. This research can help Peer-to-Peer Lending users to be aware of choosing and using Financial Technology to avoid risks.

Copyright

© 2021 The Authors. Published by Atlantis Press International B.V.

Open Access

This is an open access article under the CC BY-NC license.

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TY  - CONF
AU  - Riauli Susilawaty Hutapea
AU  - Devi Rahayu Andista
PY  - 2021
DA  - 2021/11/23
TI  - The Effect of Perceived Ease of Use, Perceived Usefulness, and Risk on User Interest in Using Financial Technology Peer to Peer Lending
BT  - Proceedings of the 2nd International Seminar of Science and Applied Technology (ISSAT 2021)
PB  - Atlantis Press
SP  - 619
EP  - 623
SN  - 2352-5401
UR  - https://doi.org/10.2991/aer.k.211106.096
DO  - 10.2991/aer.k.211106.096
ID  - Hutapea2021
ER  -