Garuda - Garba Rujukan Digital

Financial Information Transparency and Data Security on Building User Trust in Peer-to-Peer Lending Platforms in Indonesia Meiske Wenno; Muhamad Ammar Muhtadi; Rully Fildansyah
West Science Interdisciplinary Studies Vol. 4 No. 05 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i05.2878

This study examines the influence of financial transparency and data security on user trust in peer-to-peer (P2P) lending platforms in Indonesia. The rapid growth of fintech services has increased public adoption of digital lending platforms; however, concerns regarding transparency and cybersecurity remain significant challenges affecting consumer confidence. This research employed a quantitative approach using a survey method involving 250 respondents who had experience using P2P lending platforms in Indonesia. Data were collected through structured questionnaires using a five-point Likert scale and analyzed using SPSS version 25. The results indicate that financial transparency has a positive and significant effect on user trust, demonstrating that clear and accessible financial information enhances perceptions of platform reliability and accountability. Data security was also found to positively and significantly influence user trust, indicating that strong protection of personal and financial information increases confidence in digital transactions. Simultaneously, financial transparency and data security significantly influence user trust in P2P lending services. The findings suggest that fintech companies should strengthen transparent financial communication and cybersecurity systems to maintain public trust and support the sustainable development of digital financial services in Indonesia.

Financial Information Transparency and Data Security on Building User Trust in Peer-to-Peer Lending Platforms in Indonesia Meiske Wenno; Muhamad Ammar Muhtadi; Rully Fildansyah
West Science Interdisciplinary Studies Vol. 4 No. 05 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i05.2878

This study examines the influence of financial transparency and data security on user trust in peer-to-peer (P2P) lending platforms in Indonesia. The rapid growth of fintech services has increased public adoption of digital lending platforms; however, concerns regarding transparency and cybersecurity remain significant challenges affecting consumer confidence. This research employed a quantitative approach using a survey method involving 250 respondents who had experience using P2P lending platforms in Indonesia. Data were collected through structured questionnaires using a five-point Likert scale and analyzed using SPSS version 25. The results indicate that financial transparency has a positive and significant effect on user trust, demonstrating that clear and accessible financial information enhances perceptions of platform reliability and accountability. Data security was also found to positively and significantly influence user trust, indicating that strong protection of personal and financial information increases confidence in digital transactions. Simultaneously, financial transparency and data security significantly influence user trust in P2P lending services. The findings suggest that fintech companies should strengthen transparent financial communication and cybersecurity systems to maintain public trust and support the sustainable development of digital financial services in Indonesia.

Integration of Machine Learning in Financial Planning of Young Entrepreneurs in the Era of Digital Economy Loso Judijanto; Farid Wahyudi; Meiske Wenno; Hasmia Melati Arifin
West Science Journal Economic and Entrepreneurship Vol. 3 No. 02 (2025): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v3i02.1893

The integration of machine learning (ML) in financial planning offers transformative potential for young entrepreneurs navigating the dynamic digital economy in Indonesia. This study employs a qualitative approach, analyzing data from interviews with five informants, including entrepreneurs, financial advisors, and technology experts, to explore the benefits, challenges, and contextual factors influencing ML adoption. The findings highlight that ML enhances decision-making, improves efficiency, and provides personalized recommendations for financial planning. However, challenges such as limited technical expertise, high costs, cultural resistance, and the digital divide hinder widespread adoption. The study concludes that a multi-stakeholder approach involving government support, education, and infrastructure development is essential to bridge gaps and enable young entrepreneurs to leverage ML effectively. These insights contribute to understanding the interplay between technology and entrepreneurship, offering actionable recommendations for policymakers and practitioners.

ESG Strategies and Innovation Capabilities in Strengthening Corporate Performance in Indonesian Public Companies Meiske Wenno; Rani Eka Arini; Dila Padila Nurhasanah
West Science Journal Economic and Entrepreneurship Vol. 4 No. 02 (2026): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v4i02.2917

This study examines the influence of Environmental, Social, and Governance (ESG) strategies and innovation capabilities on corporate performance among Indonesian public companies. The increasing emphasis on sustainability and innovation has encouraged organizations to adopt responsible business practices while continuously enhancing their capacity to develop new products, services, and processes. This research employs a quantitative approach using a survey method. Data were collected from 125 respondents representing managerial and professional employees working in Indonesian public companies. The variables were measured using a five-point Likert scale, and data were analyzed using Statistical Package for the Social Sciences (SPSS) version 25. The analytical procedures included descriptive statistics, validity and reliability testing, classical assumption testing, multiple regression analysis, and hypothesis testing. The findings reveal that ESG strategies have a positive and significant effect on corporate performance, indicating that organizations implementing stronger environmental, social, and governance practices tend to achieve superior performance outcomes. Innovation capabilities also demonstrate a positive and significant effect on corporate performance, suggesting that firms with greater innovation capacity are more capable of improving competitiveness and organizational effectiveness. Furthermore, ESG strategies and innovation capabilities simultaneously exert a significant influence on corporate performance, explaining 47.3% of the variance in performance. The results suggest that sustainability-oriented strategies and innovation capabilities function as complementary strategic resources that enhance long-term organizational success. This study contributes to the literature on sustainability and strategic management by providing empirical evidence from Indonesian public companies and offers practical implications for managers seeking to strengthen corporate performance through integrated ESG and innovation initiatives.

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