Intention to use Peer-to-Peer (P2P) Lending: The Roles of Perceived Structural Assurance and Perceived Critical Mass

Widyanto, Hanif Adinugroho; Syahrivar, Jhanghiz; Genoveva, Genoveva; Chairy, Chairy

doi:10.15388/omee.2022.13.76

Cited by 5 publications

(4 citation statements)

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“…Another significant relationship was found between perceived critical mass and intention to use m-Health app ( p -value = 0.000 < 0.05) and adoption to use m-Health app ( p -value = 0.000 < 0.05). in the current study, which supported the results reported by Widyanto et al 18 . The prior study elaborated that, when consumers believe that the majority of their peers are using a specific technology, critical mass may be reached following the increase in the propensity of actual usage of the technology.…”

Section: Discussionsupporting

confidence: 94%

“…Critical mass can be achieved when consumers observe that most of their peers have utilised the particular technology—this subsequently increases the possibility of actual adoption of the technology 18 . There are various factors that influence the relationship between beliefs and IT adoption, depending on the technology under consideration 21 .…”

Section: Literature Reviewmentioning

confidence: 99%

“…According to TAM, perceived ease of use (PEOU) and perceived usefulness (PU) are two key predictors of technology acceptance. Despite the extensive use of TAM across diverse contexts of industries 16 – 18 , the model is deemed inadequate when it comes to elucidating consumers’ decision to adopt m-Health app considering the potential influence of intention and other determinants 19 .…”

Section: Introductionmentioning

confidence: 99%

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Predicting m-health acceptance from the perspective of unified theory of acceptance and use of technology

Yang,

Al Mamun,

Gao

et al. 2024

Sci Rep

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Addressing the growing popularity of mobile health (m-Health) technology in the health industry, the current study examined consumers’ intention and behaviour related to the usage of digital applications based on the unified theory of acceptance and use of technology (UTAUT). In particular, this study quantitatively assessed the moderating role of perceived product value and mediating role of intention to use m-Health application among Indonesians. This study adopted a cross-sectional design and collected quantitative data from conveniently selected respondents through an online survey, which involved 2068 Telegram users in Indonesia. All data were subjected to the analysis of partial least square- structural equation modeling (PLS-SEM). The obtained results demonstrated the moderating effect of perceived product value on the relationship between intention to use m-Health application (m-health app) and actual usage of m-Health app and the mediating effects of intention to use m-Health app on the relationships of perceived critical mass, perceived usefulness, perceived convenience, perceived technology accuracy, and perceived privacy protection on actual usage of m-Health app. However, the intention to use m-Health app did not mediate the influence of health consciousness and health motivation on the actual usage of m-Health app. Overall, this study’s findings on the significance of intention to use m-Health app and perceived product value based on the UTAUT framework serve as insightful guideline to expand the usage of m-Health app among consumers.

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Section: Discussionsupporting

confidence: 94%

Section: Literature Reviewmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

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Predicting m-health acceptance from the perspective of unified theory of acceptance and use of technology

Yang,

Al Mamun,

Gao

et al. 2024

Sci Rep

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“…En este orden de ideas, el financiamiento colectivo de préstamos, como modelo de formación de capital, está en expansión (Moysidou y Hausberg, 2019) al transformar mediante innovaciones la forma en que consumidores y emprendedores, así como la pequeña y mediana empresa tienen acceso a formas complementarias de financiamiento (Block et al, 2018;Ziegler et al, 2021). Como plataformas de financiamiento colectivo de préstamos, tienen un gran potencial de inclusión financiera (Widyanto et al, 2022). Como modelo de negocio, se agrega al grupo de innovaciones disruptivas (como lo fue la banca en línea o los fondos mutuos) que han cambiado y desarrollado los mercados financieros a través de los años (Jeremy y Neal, 2009).…”

Section: Introductionunclassified

Estado del arte en financiamiento colectivo de préstamos: del enfoque de riesgo al financiamiento para empresas

De Jesús González,

García Salgado,

Morales Castro

2024

RECEIN

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El fondeo colectivo es una vertical de las finanzas tecnológicas que integra distintas aproximaciones de este modelo de negocio, particularmente, el de retorno financiero ha evolucionado conforme al desarrollo de la tecnología digital, no solo promoviendo inclusión financiera y acceso a financiamiento para consumidores y empresas, también ha captado el interés de investigadores y académicos, los cuales han realizado diversos análisis de su dinámica, desde diferentes perspectivas. Como área de estudio está en expansión, denotándose recientemente la disponibilidad de la literatura, la cual fue escasa en años previos. Considerando un conjunto de artículos, en su mayoría de tipo Open Access, este estudio plantea, en primera instancia, realizar un análisis bibliométrico, para posteriormente y con base en la revisión de la literatura, identificar los enfoques bajo los cuales este modelo de negocio se ha estudiado. Los hallazgos muestran que, bajo la perspectiva de los enfoques analizados, este modelo de negocio ha evolucionado hasta integrarse como una vertical importante y actual de las finanzas tecnológicas, evolución que ha permitido identificar una proporción de los factores mediante los cuales un proyecto o solicitud de préstamo puede llegar a ser exitoso o no exitoso.

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Assessment of the Factors Affecting the Intention to Invest in a P2P Lending Platform

Leckė

Milašiūtė²,

Šeškevičiūtė³

2022

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The digitalisation of the financial system and the rapid growth of new financial technologies arecontributing not only to the change of the financial system, but also to the change of the way people makefinancial decisions. The development of financial technologies has led to the emergence of new financialservices and products, such as P2P lending. With the growth P2P lending market, the scientific literaturepays more and more attention to the analysis of investment intentions through P2P lending platforms and theassessment of the factors affecting the intention to invest (Dja’akum, 2019; Fiorentino et al., 2020; Khan etal., 2021Yang ir Lee, 2016; Poeteri, et al., 2021). It should be noted that, although the interest of researchersin this field is growing, the research in the European context is not sufficient, which reveals the relevance ofthis study. Thus, the aim of the present study is to assess the factors that affect the intention to invest throughP2P lending platforms in Lithuania.A theoretical review of the scientific literature revealed that previous empirical studies have categorised thefactors of the intention to invest through peer-to-peer lending platforms into individual and platform factors.Individual factors are understood as risk appetite, perceived risk, financial literacy, while platform factors areunderstood as perceived ease of use, perceived usefulness, trust. Attitude toward behaviour can be seen asboth an individual and a platform factor. Other factors, such as relative advantage, compatibility, complexity,perceived behaviour control are also distinguished in the scientific literature, but are not considered in theanalysis of the intention to invest through peer-to-peer lending platforms.Research data was collected through an online survey. The survey questionnaire was distributed onlinebetween February and April 2022. The survey sample consisted of 211 respondents. The conceptual researchmodel was developed using a Modified Technological Acceptance (TAM) model, which was performed usingthe Structural Equation Modelling (SEM) method.The SEM analysis revealed that the intention to invest through P2P lending platforms was indirectly influenced by the trust of the P2P lending platform, perceived risk and risk appetite factors. The indirect impactwas through attitude toward P2P lending platforms factor, which had a strong and significant positive impacton the intention to invest through P2P lending platforms. The effect of perceived usefulness and perceivedease of use on Lithuanian investors‘ attitudes towards P2P lending platforms was not statistically significant,and therefore no statistically significant effect of these factors on the intention to invest through P2P lendingplatforms was found.

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Intention to use Peer-to-Peer (P2P) Lending: The Roles of Perceived Structural Assurance and Perceived Critical Mass

Cited by 5 publications

References 93 publications

Predicting m-health acceptance from the perspective of unified theory of acceptance and use of technology

Predicting m-health acceptance from the perspective of unified theory of acceptance and use of technology

Estado del arte en financiamiento colectivo de préstamos: del enfoque de riesgo al financiamiento para empresas

Assessment of the Factors Affecting the Intention to Invest in a P2P Lending Platform

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