Factors Affecting Non-Intention to Invest in Peer-To-Peer Lending Platform Towards Youth Investors in Malaysia

Lee Hao Cheng (), Noor Azizah Shaari, Wong Yu Qian (), Kong Bi Xuan () and Mak Juen Wei ()
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Lee Hao Cheng: Universiti Tunku Abdul Rahman, Faculty of Business and Finance
Noor Azizah Shaari: Universiti Tunku Abdul Rahman, Faculty of Business and Finance
Wong Yu Qian: Universiti Tunku Abdul Rahman, Faculty of Business and Finance
Kong Bi Xuan: Universiti Tunku Abdul Rahman, Faculty of Business and Finance
Mak Juen Wei: Universiti Tunku Abdul Rahman, Faculty of Business and Finance

A chapter in Proceedings of the 12th International Conference on Business, Accounting, Finance and Economics (BAFE 2024), 2025, pp 596-612 from Springer

Abstract: Abstract Peer-to-Peer (P2P) lending has become a popular alternative financing method in Malaysia, but there is a lack of understanding about factors influencing lending decisions. This research project aims to examine the dynamics of P2P lending, particularly among young investors, as they often embrace new technologies and opportunities. Data was collected from 400 youth investors across Malaysia who expressed interest in investing in online P2P platforms. The study used Partial Least Squares-Structural Equation Modelling and the Extended Technology Acceptance Model (TAM) to explore non-intention to invest in P2P lending platforms. The findings suggest the need for learning resources and guidance for youth investors, as well as local government programs promoting awareness to invest with P2P lending platforms.

Keywords: Peer-to-Peer (P2P); young investors; lending decisions; investment intention (search for similar items in EconPapers)
Date: 2025
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DOI: 10.2991/978-94-6463-666-6_37

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