Success Factors Influencing Peer-to-Peer Lending to Support Financial Innovation

The purpose of this study is to identify success factors that are conducive developing the ability create financial innovation within countries for sake sustainability. research contribute identification factors. case involves a peer-to-peer lending (P2P Lending) business operator in Thailand and focuses on lender perspective. results consist 13 potential driving process improvement. collected data from 300 respondents through structured questionnaire. structural equation model was used analyze via Mplus version 7. In order gain better understanding, we emphasize each country’s may show different due situations environments, which might pose challenge when drawing conclusions survey building sustainability industry. summarizes 3 contexts with factors; namely, risk context consists higher interest rate, inflation increase, macroeconomics, regulation laws, legal, liquidity, finance credit status. trust includes demographic characteristics, biological an individual’s reputational capital, perspective information loan delinquencies, funded loans, politics, culture. According our results, investor or will benefit bringing concepts methods involve adopting international loans.