COMMENTATE: Journal of Communication Management
Vol. 6 No. 2 (2025): COMMENTATE: Journal of Communication Management

Beyond Traditional Banking: Smart CRM Strategies for Next-Generation Financial Technology Peer To Peer Lending Trust

Ridho, Muamar Ridho (Unknown)
Hasta, Susy Hastanarini (Unknown)
Arnold, Arnoldyth Rodes Medo (Unknown)



Article Info

Publish Date
30 Dec 2025

Abstract

The financial technology (fintech) industry faces a consumer trust crisis due to the proliferation of illegal online lending practices that have damaged the reputation of the entire Peer-to-Peer (P2P) Lending ecosystem. This research aims to formulate a strategic Customer Relationship Management (CRM) model for rebuilding consumer trust in legitimate P2P Lending platforms. Using a systematic literature review (SLR) method following PRISMA 2020 guidelines, this study analyzes 10 academic studies published between 2003-2022. Literature searches were conducted through Scopus, Web of Science, and Google Scholar databases, focusing on CRM implementation in the fintech context and its relationship with consumer trust building. The research identifies five main CRM contribution themes: service personalization, transparency and effective communication, data security, education and financial literacy, and responsive and sustainable customer relationship management. Findings indicate that effective CRM implementation not only enhances customer satisfaction and loyalty but also serves as a key strategy in reputational risk mitigation and public trust recovery. This study recommends integrating advanced technology with humanistic approaches in CRM, as well as the importance of proactive education and consumer engagement to build a sustainable trust ecosystem in the fintech industry.

Copyrights © 2025






Journal Info

Abbrev

commentate

Publisher

Subject

Humanities Decision Sciences, Operations Research & Management Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

Description

The objective of COMMENTATE: Journal of Communication Management is to encourage research related but not limited to: 1. Corporate communication. Communication that involves a set of activities with external and internal stakeholders to create favourable conditions. 2. Media communication. ...