Finding Customer Perception of Peer-to-Peer (P2P) Lending Financial Technology in Pohon Dana


  • Joshua Tandiono British School Jakarta Bintaro Sektor 9 Tangerang 15227, Indonesia
  • Brata Wibawa Djojo Management Department, BINUS Business School Undergraduate Program, Bina Nusantara University, Jakarta 11480
  • Sevenpri Candra Management Department, BINUS Business School Undergraduate Program, Bina Nusantara University, Jakarta 11480
  • Pantri Heriyati Management Department, BINUS Business School, Doctor of Research in Management, Bina Nusantara University, Jakarta 11480



customers perception, Peer-to-Peer (P2P) lending, Financial Technology (FinTech)


The research aimed to discover some factors influencing customer perception toward Peer-to-Peer (P2P) lending Financial Technology (FinTech). It was an empirical study in which the survey was conducted using an online questionnaire from June to August 2019. The research sample was collected from 56 respondents of Pohon Dana customers by simple random sampling. The data collected were analyzed with Partial Least Square Path Modelling by presenting several factors influencing customer perception. The analysis tool was SmartPLS ver 3.2.8. The research finds out that benefits and security have a positive and significant relationship to customer perception. Meanwhile, ease of use, self-efficacy, and trust have a negative and insignificant relationship to customer perception.


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