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This study analyzes the adoption of P2P lending fintech from technological, financial, and behavioral perspectives using the UTAUT framework, with Digital Financial Literacy (DFL) as a moderating variable. Financial aspects such as price value, risk, return, and cost are also examined. The research employs a quantitative approach with Structural Equation Modeling (SEM), involving 400 active P2P lending investors in Indonesia. The results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions, price value, and risk have a significant effect on behavioral intention, while return and cost do not. Behavioral intention significantly influences use behavior, but this relationship is negatively moderated by digital financial literacy. This study extends the UTAUT framework by integrating financial aspects and recommends improving financial literacy and transparency to promote financial inclusion and the sustainability of fintech services.

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Inventory Code	Barcode	Call Number	Location	Status
2507002612	T172766	T1727662025	Central Library (Reference)	Available but not for loan - Not for Loan

Detail Information

Series Title: -
Call Number: T1727662025
Publisher: : Program Studi Doktor Ilmu Manajemen., 2025
Collation: xiii, 98 hlm.; tab.; 29 cm.
Language: Indonesia
ISBN/ISSN: -
Classification: 658.150 7
Content Type: -
Media Type: -
Carrier Type: -
Edition: -
Subject(s): Manajemen keuangan
Specific Detail Info: -
Statement of Responsibility: EM

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ADOPSI FINTECH: KEUANGAN DAN TEKNOLOGI

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