Examination of the Factors Contributing To Financial Technology Adoption in Indonesia using Technology Acceptance Model: Case Study of Peer to Peer Lending Service Platform

Purpose of this research is to explores the factors that influence the intention to adopt Peer to Peer Lending Service Platform based on the Technology Acceptance Model with trust, credibility, perceived benefit, and perceived risk as additional factors. Structural Equation Model used as statistical test with SmartPLS 3.0 software. The sampling technique is quota sampling. Data source in this research is primary data with 1000 respondents who have accessed fintech Peer to Peer lending also using services provided recently. The results of statistical analysis using PLS-SEM demonstrated that perceived benefit, trust, usefulness and ease of use had significant impect to the intention to choosing fintech lending services.