Citation

Kalabeke, Wisdom and Nguyen, Thi Phuong Lan (2023) Confirmatory factor analysis of individual perception towards peer-to-peer lending platforms. In: 2023 IEEE International Conference on Technology Management, Operations and Decisions (ICTMOD), 22-24 November 2023, Rabat, Morocco.

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Abstract

As Fintech innovation continues to dominate the financial industry, peer-to-peer lending platforms emerged and are adopted in several countries including Malaysia. This digital lending platform aids Micro, small and medium enterprises to obtain funds with less efforts hence, experiencing a constant growth in Malaysia. Despite the growth, a lot is unknown including investors perception towards the platforms hence, this paper seeks to confirm factors that may constitute investors perception towards peer-to-peer lending platforms. Data was collected for 20 predetermined items based on previous studies in conjunction with the theory of planned behavior. Result indicates that 17 of these items are valid and reliable to measure individual perception towards peer-to-peer lending platforms. In addition, structural equation models indicate a positive relationship between peer-to-peer lending platform awareness, digital financial risks awareness and time pressure on investors’ perceptions towards P2P LP, and perceived risk has no connection. These findings are useful for further studies, and to enhance platform lending operations when consolidating these factors in the lending process

Item Type:	Conference or Workshop Item (Paper)
Uncontrolled Keywords:	Fintech, P2P Lending, Perception, Malaysia.
Subjects:	H Social Sciences > HC Economic History and Conditions > HC79 Special Topics. Including air pollution, automation, consumer demand, famines, flow of funds, etc.
Divisions:	Faculty of Management (FOM)
Depositing User:	Ms Nurul Iqtiani Ahmad
Date Deposited:	27 Mar 2024 00:34
Last Modified:	27 Mar 2024 00:34
URII:	http://shdl.mmu.edu.my/id/eprint/12191

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