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The swift advancement of FinTech (financial technology) has profoundly altered the global financial environment, with Peer-to-Peer (P2P) lending coming into sight as a revolutionary innovation that directly links borrowers and lenders without intermediaries. P2P lending has gained increasing popularity in Indonesia as a means to promote financial inclusion, particularly among Generation Z, a tech-savvy demographic driving the nation’s digital economy. This study examines the impact of perceived usefulness (PU) and perceived trust (PT) on Generation Z’s intention to use (ItU) P2P lending, with attitude serving as a mediating factor. Using a quantitative approach and structured questionnaires, data were collected from 237 respondents aged 17 to 24. Structural Equation Modeling (SEM) analysis revealed that PT and PU positively influence attitudes toward P2P lending, with trust and attitude having a direct effect on intention. Notably, PU does not directly impact intention but exerts its influence entirely through attitude, emphasizing the critical role of user evaluations in adoption decisions.

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Uncovering Indonesian Generation Z’s Intention to Use P2P Lending: The Role of Attitude, Trust, and Usefulness

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  • 发表日期：

    2026年

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  • Rita Kusumawati,
  • Mamduh M. Hanafi,
  • Arni Surwanti

摘要

The swift advancement of FinTech (financial technology) has profoundly altered the global financial environment, with Peer-to-Peer (P2P) lending coming into sight as a revolutionary innovation that directly links borrowers and lenders without intermediaries. P2P lending has gained increasing popularity in Indonesia as a means to promote financial inclusion, particularly among Generation Z, a tech-savvy demographic driving the nation’s digital economy. This study examines the impact of perceived usefulness (PU) and perceived trust (PT) on Generation Z’s intention to use (ItU) P2P lending, with attitude serving as a mediating factor. Using a quantitative approach and structured questionnaires, data were collected from 237 respondents aged 17 to 24. Structural Equation Modeling (SEM) analysis revealed that PT and PU positively influence attitudes toward P2P lending, with trust and attitude having a direct effect on intention. Notably, PU does not directly impact intention but exerts its influence entirely through attitude, emphasizing the critical role of user evaluations in adoption decisions.