The Effects of Perceived Usefulness, Perceived Ease of Use, Perceived Security and Risk-Free on the Customer Decision to Borrow Using P2P Lending

The advance of technology development today brings innovation in the financial industries. Financial technology continues to emerge in the sectors of payment, investment, and loans online and as we are familiar with the term, P2P Lending. The purpose of this research is to analyse the effect of perceived usefulness, perceived ease of use, and perceived riskfree and security in customer borrowing decisions on the P2P lending platform, using the Technology Acceptance Model approach. As quantitative research, the study distributed questionnaires to 166 respondents of ultra-micro segments, domiciled in East Java province. The data collection was further processed statistically using the Structural Equation Method (SEM). The study showed that the customer decision to borrow is significantly influenced by the trust variable, in which perceived ease of use had the most significant influence in creating the borrower's trust