ADOPSI FINTECH: KEUANGAN DAN TEKNOLOGI

PURNAMASARI, ENDAH DEWI and Adam, Mohamad and Isnurhadi, Isnurhadi and Andriana, Isni (2025) ADOPSI FINTECH: KEUANGAN DAN TEKNOLOGI. Doctoral thesis, Sriwijaya University.

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Abstract

This study analyzes the adoption of P2P lending fintech from technological, financial, and behavioral perspectives using the UTAUT framework, with Digital Financial Literacy (DFL) as a moderating variable. Financial aspects such as price value, risk, return, and cost are also examined. The research employs a quantitative approach with Structural Equation Modeling (SEM), involving 400 active P2P lending investors in Indonesia. The results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions, price value, and risk have a significant effect on behavioral intention, while return and cost do not. Behavioral intention significantly influences use behavior, but this relationship is negatively moderated by digital financial literacy. This study extends the UTAUT framework by integrating financial aspects and recommends improving financial literacy and transparency to promote financial inclusion and the sustainability of fintech services.

Item Type:	Thesis (Doctoral)
Uncontrolled Keywords:	Finance, Technology, Behavioral Intention, Use Behavior, Digital Financial Literacy, P2P Lending Adoption.
Subjects:	H Social Sciences > HG Finance > HG1-9999 Finance
Divisions:	01-Faculty of Economics > 61001-Management (S3)
Depositing User:	Endah Dewi Purnamasari
Date Deposited:	16 May 2025 03:34
Last Modified:	16 May 2025 03:34
URI:	http://repository.unsri.ac.id/id/eprint/172766

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