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

In: Proceedings of the 12th International Conference on Business, Accounting, Finance and Economics (BAFE 2024)

Author

Listed:
  • 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)

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.

Suggested Citation

  • Lee Hao Cheng & Noor Azizah Shaari & Wong Yu Qian & Kong Bi Xuan & Mak Juen Wei, 2025. "Factors Affecting Non-Intention to Invest in Peer-To-Peer Lending Platform Towards Youth Investors in Malaysia," Advances in Economics, Business and Management Research, in: Abdelhak Senadjki & Fanyu Chen & William Keng Soon Choo & Voon Hsien Lee & Chooi Yi Wei (ed.), Proceedings of the 12th International Conference on Business, Accounting, Finance and Economics (BAFE 2024), pages 596-612, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-666-6_37
    DOI: 10.2991/978-94-6463-666-6_37
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