PERCEIVED BEHAVIORAL CONTROL, ATTITUDE AND PERCEPTION OF SECURITY AS DETERMINANTS OF PUBLIC INTEREST IN USING FINTECH P2P

Abstract

Peer-to-peer lending is the sole financial service provided in the form of transactions conducted online. Peer to Peer Lending currently offers a variety of loans, including those for businesses, health care, and education,  that the general public may access online so that lengthy approval processes are not necessary. The purpose of this study is to understand perceived behavioral control, attitude, and perceived risk as factors affecting how the general public uses fintech peer-to-peer lending. According to this study, all of the sub district that are present in Kota Batam are populous. data collection methodology using kuesioner. By using Jacob Cohen's book, there are 204 responses in this essay. The respondents to this study were people who had used peer-to-peer lending to make loans. Purposive sampling is the method of sampling that is employed. SEM is the analytical technique employed with the Smart PLS 3.0 program. According to the study's findings, perceived behavioral control, attitude, and perception of security all significantly and positively influence interest in batam City residents. Perceived behavioral control also significantly and positively influences interest in Batam City residents.