Empirical analysis of borrowers' motivation to use online peer-to-peer lending platforms in India
- Title
- Empirical analysis of borrowers' motivation to use online peer-to-peer lending platforms in India
- Creator
- Gupta S.; Mahajan J.; Godwin B.J.
- Description
- Established on the technology acceptance model, this paper puts forward a model to understand the borrowers' motivation to use (MU) peer-to-peer (P2P) lending platforms. Data from 362 Indian users were employed to test the research model by applying structural equation modelling. The results show that perceived intention, ease of use, and usefulness have significant relation in motivating borrowers to use P2P lending platforms. However, borrowers' perceptions of trust had an insignificant impact on MU the P2P lending platform. When compared to the individual technology acceptance model, the integrated model provides further explanation regarding the motivation of borrowers to use P2P lending platforms. The study contributes to the theoretical area by identifying the factors that motivate borrowers to use P2P lending platforms for their short-term financial requirements, from a unified perspective. In addition, this research provides insights about borrowers' MU P2P lending platforms in India. Copyright 2023 Inderscience Enterprises Ltd.
- Source
- International Journal of Electronic Finance, Vol-12, No. 2, pp. 142-162.
- Date
- 2023-01-01
- Publisher
- Inderscience Publishers
- Subject
- India; motivation-to-use; peer-to-peer lending platforms; perceived ease-of-use; perceived intention; perceived trust; perceived usefulness; technology acceptance model
- Coverage
- Gupta S., School of Business and Management, CHRIST (Deemed to be University), Pune Lavasa Campus, Maharashtra, India; Mahajan J., School of Business and Management, CHRIST (Deemed to be University), Pune Lavasa Campus, Maharashtra, India; Godwin B.J., School of Business and Management, CHRIST (Deemed to be University), Pune Lavasa Campus, Maharashtra, India
- Rights
- Restricted Access
- Relation
- ISSN: 17460069
- Format
- Online
- Language
- English
- Type
- Article
Collection
Citation
Gupta S.; Mahajan J.; Godwin B.J., “Empirical analysis of borrowers' motivation to use online peer-to-peer lending platforms in India,” CHRIST (Deemed To Be University) Institutional Repository, accessed February 24, 2025, https://archives.christuniversity.in/items/show/14611.