Số No. 03 June (34)-2025 Journal of Finance & Accounting Research - Trang 130

Tóm tắt tiếng Việt:

English Summary:

The article analyzes the factors affecting the intention to use peer-to-peer loan services of Gen Z customers and the moderating role of electronic word of mouth and financial literacy through the UTAUT model. The results from Smart PLS4 shows that Perceived usefulness and Facilitate condition have a positive impact on Attitude toward P2P loan. EWOM has a positive impact on behavioural intention and strengthens the relationship between attitude toward P2P and intention to use P2P loan. The study also proposes solutions for financial institutions to attract Gen Z customers using online loan services.

Từ khóa: P2P, online loans, EWOM, financial literacy.

Số lượt đọc: 43 - Số lượt tải về: 18

DOI Code: https://doi.org/10.71374/jfar.v25.i3.29