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This study explores factors affecting investors’ intentions to utilize Peer-to-Peer (P2P) lending platforms using the DeLone and McLean Information Systems Success (ISS) model and the Technology Acceptance Model (TAM). Data was collected through an online survey, yielding 283 valid responses from 350 distributed questionnaires, using snowball and convenience sampling. Structural Equation Modelling (SEM) with SmartPLS validated relationships between system quality, information quality, service quality, user satisfaction, social influence, and continuous intention to use. Findings indicate that system quality and service quality have a significant positive predictive effect on user satisfaction, while social influence positively affects ongoing usage intentions. Improved system performance, information accuracy, and service responsiveness can foster investor trust, platform adoption, and retention, guiding stakeholders and regulators toward an environment of stable and successful P2P lending.

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Understanding Investors’ Intention to Use P2P Lending Platforms: An ISS …. DeLone and Mclean Approach

  • 会议论文

  • 发表日期：

    2026年

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  • Shannon D’Souza,
  • Rashmy Moray,
  • Sridevi Chenammasetti,
  • Shikha Jain

摘要

This study explores factors affecting investors’ intentions to utilize Peer-to-Peer (P2P) lending platforms using the DeLone and McLean Information Systems Success (ISS) model and the Technology Acceptance Model (TAM). Data was collected through an online survey, yielding 283 valid responses from 350 distributed questionnaires, using snowball and convenience sampling. Structural Equation Modelling (SEM) with SmartPLS validated relationships between system quality, information quality, service quality, user satisfaction, social influence, and continuous intention to use. Findings indicate that system quality and service quality have a significant positive predictive effect on user satisfaction, while social influence positively affects ongoing usage intentions. Improved system performance, information accuracy, and service responsiveness can foster investor trust, platform adoption, and retention, guiding stakeholders and regulators toward an environment of stable and successful P2P lending.