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All Journal Aiti: Jurnal Teknologi Informasi
Chandra, Kezia Trifena
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Computer Science & IT

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Pengaruh Technology Acceptance Model (TAM) terhadap minat investasi FinTech dengan persepsi risiko sebagai faktor moderasi Chandra, Kezia Trifena; Tanaamah, Andeka Rocky
AITI Vol 22 No 1 (2025)
Publisher : Fakultas Teknologi Informasi Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24246/aiti.v22i1.61-72

Abstract

The rapid growth of the industry has generated significant interest in peer-to-peer (P2P) lending platforms, especially among students in Indonesia. This study investigates the factors influencing students' interest in investing through P2P lending, focusing on perceptions of ease of use, usefulness, and risk. The Technology Acceptance Model (TAM) is the framework for analyzing these variables' relationships. Additionally, the study examines the moderating role of risk perception on the relationship between perceived ease of use and usefulness with investment interest. Data collection involved distributing questionnaires to students nationwide, with data processed using Structural Equation Modeling (SEM) through the Smart-PLS application. The research findings suggest that perceived ease of use and usefulness significantly impact investment interest in P2P lending.
Co-Authors Andeka Rocky Tanaamah