Innovation Characteristics, Personality traits and their impact on Fintech Adoption–P2P Lending

This paper investigates moderating influence of innovation attributes on the perceptions of Peer-to-Peer or P2P lending users and the influence of innovativeness traits on instrumental beliefs regarding the adoption of P2P lending. Two technology adoption theories were combined to develop the conceptual map denoting antecedent factors. Using 464 responses, structural equation modeling analysis was used to test the hypotheses. Performance expectancy, effort expectancy, social influence, and perceived compatibility were salient antecedents of P2P lending adoption. Perceived compatibility moderates the relationship between performance expectancy, facilitating conditions, and buying intentions. Innovativeness trait predicts performance expectancy and effort expectancy of P2P lending users.