Article Per Year (5 Year)
p-Index From 2021 - 2026
3.096
P-Index
This Author published in this journals
All Journal Eastasouth Journal of Effective Community Services Jurnal Hukum dan HAM Wara Sains Jurnal Multidisiplin West Science Jurnal Pendidikan West Science Jurnal Akuntansi dan Keuangan West Science Jurnal Bisnis dan Manajemen West Science Jurnal Ekonomi dan Kewirausahaan West Science West Science Interdisciplinary Studies West Science Interdisciplinary Studies West Science Social and Humanities Studies
Muhamad Ammar Muhtadi
Universitas Nusa Putra
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

Published : 21 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 21 Documents
Search

 1   2   3 
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

Abstract

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.
Co-Authors Ahmad Muzayyin Dewi Ayu Prastica Dito Anurogo Erwin Erwin Fatma Sarie Ikhwan Alfiansyah Ilham Akbar Bunyamin Imam Hanafi Indiyah Prana Amertawengrum Loso Judijanto Masrina Masrina Meiske Wenno Moh Gifari Sono Muhammad Ade Kurnia Harahap Muhammad Rusdi Muhammad Umer Farooq Mujahid Murthada Murthada Rani Eka Arini Rival Pahrijal Rully Fildansyah Sabalius Uhai Sahrul Sahrul Sari, Titis Nistia Selviani Sesilia Sulistyo Andarmoyo Supriandi Supriandi Yana Priyana Yenik Pujowati