Santoso, Fahrul Imam, Soegiharto Soegiharto, and Nikodemus Hans Setiadi Wijaya. 2026. “Determinants of Fintech Peer to Peer Lending Usage: Evidence from Service Quality, Interest, and Trust in Indonesia”. Proceeding International Conference on Accounting and Finance 4 (January):160-72. https://journal.uii.ac.id/inCAF/article/view/46974.