Normafa Research Center is actively engaged in international research collaboration with scholars from Indonesia, Malaysia, and Hungary. The study examines the key factors influencing the adoption of Fintech Peer-to-Peer (P2P) lending in Indonesia by extending the UTAUT3 framework. It integrates financial risk tolerance and artificial intelligence literacy while also exploring the moderating effects of green self-identity and gender differences. Data from 421 respondents were analyzed using the PLS-SEM method to generate robust insights.
This project has been submitted to the Journal of Financial Services Marketing, a Scopus-indexed journal published by Springer Nature, marking an important step toward contributing high-quality research to the global academic community.
The findings support Sustainable Development Goal 8 (SDG 8: Decent Work and Economic Growth) by showing how P2P lending can strengthen financial inclusion, expand access to credit, and empower MSMEs to drive sustainable economic growth.
👉 Stay connected with Normafa Research Center as we continue advancing impactful research on financial innovation and sustainability.