Track: Undergraduate Student Paper Competition

Abstract

This study was conducted to determine the interest in using financial technology (fintech) and peer-to-peer lending (p2p lending) in MSMEs. The model used is the Technology Acceptance Model (TAM) which is to see the successful application of information technology and the variables used are perceived ease of use, perceived usefulness, trust, and attitudes toward user interest in using financial technology (fintech) peer to peer lending (p2p lending). The data used in this study are primary data with the data collection method using a questionnaire. Then the data analysis method used is SEMPLS with the help of SmartPLS software. In this study, the number of samples or respondents who filled out and returned the questionnaire wwas64 respondents. The results of this study indicate that perceived ease of use has a significant effect on perceived usefulness, perceived usefulness has a significant effect on trust, trust has a significant effect on attitude, and attitude has a significant effect on user interest. The finding in this study is that perceived ease of use does not have a significant effect on trust. Suggestions for further research are to add variables not examined in this study such as security, risk, etc. And the findings in this study can be reviewed so that it can be seen whether they get the same or different results from this study.