Indonesia Conference Directory

1. Introduction and research problem The growth of Financial Technology (Fintech) services in Indonesia is a form of development of financial services in the digital era. Google and Temasek survey results (December 2018) showed that the digital economy in Indonesia could grow 100 billion US dollars in 2025. This makes Indonesia the largest market for digital economy penetration compared to other countries in Southeast Asia. The presence of Fintech is expected to increase financial inclusion which is considered to be able to reduce some socio-economic problems such as more equitable financial distribution so as to realize the financial independence of the community, reduce poverty and unemployment. Peer to Peer Lending (P2P) is a type of Fintech service that provides Information Technology-Based Money Lending and Borrowing services and has been officially regulated by the Financial Services Authority (OJK) through OJK regulation number 77/POJK.01 / 016. As of January 2019, there are 99 digital platforms in the Peer to Peer Lending category that have been registered with the OJK. In this study, researchers used two theories that can explain the level of understanding and acceptance of individuals in studying the use of digital technology-based financial services. The first theory is The Unified Theory of Acceptance and Use of Technology (UTAUT) proposed by Venkatesh et.al (2003) and the second theory is Social Cognitive Theory (SCT) put forward by Compeau & Higgins (1995). The variables used are Performance Expectancy, Effort Expectancy, Social Inflation, Facilitating Condition, Self-Efficacy, Affect, Trust, Reputation and Anxiety towards Behavioral Intention. Research subjects in DKI Jakarta have the population with the highest literacy and inclusion in Indonesia. 2. Methods The study was conducted in March-April 2019 by conducting a survey of 450 respondents. The determination of the sample is used based on a purposive sampling technique, based on the population of the population in DKI Jakarta of 10,467,600 people (Badan Pusat Statistik, 2018). The results of calculations based on Krejcie and Morgans table showed a minimum of 384 respondents. This survey uses a Likert scale which aims to measure peoples attitudes, opinions and perceptions about the use of P2P (Sekaran, 2013). Researchers conducted a preliminary test to 30 respondents aiming to measure whether the questions in the questionnaire were appropriate to measure the variables to be measured on a small scale first. The analysis technique used is multiple linear regression to explain how much influence the independent variable has on a dependent variable. The SPSS application is used to process and analyze survey results. 3. Results and findings The results of the analysis show that Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Self-efficacy, Affect, Reputation, Trust and Anxiety have simultaneous significant effects on Individual Behavi