Indonesia Conference Directory

1. Introduction and research problem Research conducted by Deloitte (2015) shows that digital financial services can provide an easier access to financial services, so that they can benefit the national economy. In Indonesia, the development of financial technology (FinTech) shows that in 2018 the number of FinTech in Indonesia was 190 companies divided into three parts, namely 157 Startup Companies, 24 Financial Institutions, and 9 Associate Partners (Indonesian FinTech Association, 2018). On the knowledge side, data published by Dailysocial (2018) shows that many Indonesian people are familiar with FinTech reaching 70.63%. Although experiencing growth, the numbers have not been able to match the level of public literacy about Fintech, which is equal to 58.14%, even that number has dropped of the number of users in 2017 amounted to 60.96%. Data according to Dailysocial (2018), shows that in Indonesia 32.48% have not used P2P lending services. Looking at the number of people who have not used fintech services, especially P2P lending. This research approach uses a theory created by Ajzen (1989) which is "Theory Planned Behavior" in which it functions to describe several factors that can influence a behavioral intention or a persons behavior. This theory has the perspective that trust is the main factor that can influence behavior. These factors are the attitude towards behavior, subjective norms, and perceived behavior control. This research was conducted in Jakarta because the highest per capita Gross Regional Domestic Product (GRDP) is still held by Jakarta at 194 million per year. But on the other hand, data published by OJK (2016) shows that there are still 22% or at least 2.2 million people of DKI Jakarta who have not used financial services, both digital and non-digital, even the number could be more for people who have not or not use FinTech services especially Peer to Peer Lending. Millennial was chosen because the generation is close to the use of technology (CHCD-PPM Manajemen, 2018) 2. Methods This study aims to determine the effect of Atitude Toward Behavior, Subjective Norm, and Perceived Behavioral Control on Behavioral Intention of millennials using Peer to Peer Lending services. Determination of the sample using the basis of Hair, et al (2005) which states that for the purpose of research that is causal analysis, the required respondents are at least 15-20 respondent times the number of independent variables. In this study using three independent variables with a number of indicators or questions as many as 19 indicators, so that a minimum of 95 respondents as a sample. Researchers distributed questionnaires and got 157 respondents. This survey uses a Likert scale which aims to measure peoples attitudes, opinions and perceptions about the use of P2P (Sekaran, 2013). The analysis technique used is multiple linear regression to explain how much influence the independent variable has on a dependent variable. The SP