Investment Decisions and Investor Experience in Choosing Financial Technology (Fintech) Services: Peer-To-Peer Lending

DOI

10.2991/aebmr.k.200812.048How to use a DOI?

Keywords

P2PL, investment, motivation, decision making, phenomenological approach, investment journey

Abstract

The expansion of digital technology in financial sector making the opportunity for the emergence of the products to meet people’s financial needs. P2PL is one of the emergence product which present as an instrument of investment by providing loans. This research aims to describe the investor perspective of P2PL as an alternative instrument for investment. This is done by phenomenological approach in interviewing several investors in P2PL related to motivation in choosing P2PL as an investment instrument and exploring the investor’s investment experience in P2PL. Based on the findings of the content analysis on the collected data, this research found that investors assessed that P2PL had a better value in terms of returns and risk levels compared to other investment instruments. P2PL also provides good convenience in terms of access to business processes that are used which allows all people of any background to be able to invest in the platform provided. Past investment experience is important, especially during the decision-making process in the investment journey in P2PL. Therefore, based on the findings of this research, researcher try to describe the investment decision making process into an investors’ journey in P2PL.

Copyright

© 2020, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Bernika Setiawan
AU  - Yanuar Andrianto
AU  - Fitri Safira
PY  - 2020
DA  - 2020/08/13
TI  - Investment Decisions and Investor Experience in Choosing Financial Technology (Fintech) Services: Peer-To-Peer Lending
BT  - Proceedings of the 3rd Asia Pacific Management Research Conference (APMRC 2019)
PB  - Atlantis Press
SP  - 275
EP  - 280
SN  - 2352-5428
UR  - https://doi.org/10.2991/aebmr.k.200812.048
DO  - 10.2991/aebmr.k.200812.048
ID  - Setiawan2020
ER  -