Siti Nuraisah, Dedy Rahman Prehanto
The ease of use and the risks or threats that accompany the use of peer-to-peer lending applications can affect adoption and the intention to continue using them. This study aims to analyze technology adoption and what factors influence the intention to use P2PL applications sustainably and provide recommendations for service providers. The research was conducted using the TRI and E-ECMIT methods. Statistical analysis used is SEM (Structural Equation Modeling) based on covariance and data processing using AMOS software and 237 respondents from P2PL service users in Surabaya and its surroundings. Based on the analysis results, eight hypotheses have a significant value from the 17 hypotheses that have been proposed. This shows that not all driving factors positively influence adoption, and not all inhibiting fa ctors have a negative influence on adoption. Not all variables influence sustainability intentions in using peer-to-peer lending applications. © 2023 Author(s).
Department of Information Technology, Faculty of Engineering, Universitas Negeri Surabaya, Surabaya, Indonesia
