User Trust and Social Influence as Determinants of Digital Lending Adoption

The dataset used in this study is a primary data set collected through a quantitative survey. This data specifically includes responses from participants who have experience using digital peer-to-peer (P2P) lending services in the past six months. This dataset is directly relevant to the paper title "User Trust and Social Influence as Determinants of Digital Lending Adoption" because it is designed to test hypotheses related to how Trust, Social Influence, Perceived Ease of Use, and Perceived Usefulness influence users' Behavioral Intention in adopting digital lending services. Collecting data from P2P lending users directly allows researchers to analyze their perceptions and actual behaviors, thus providing strong empirical insights into the role of trust and social influence in digital lending adoption decisions.本研究采用的数据集为通过定量问卷调查采集的一手数据集。该数据集具体涵盖了过去六个月内有使用数字点对点（P2P）借贷服务经历的受访者的反馈数据。 该数据集与论文标题《用户信任与社会影响力作为数字借贷采纳的决定因素》高度契合，其设计初衷为检验有关信任、社会影响力、感知易用性与感知有用性如何影响用户采纳数字借贷服务的行为意向的相关假说。直接从P2P借贷用户处采集数据，可使研究人员分析其感知与实际行为，从而为剖析信任与社会影响力在数字借贷采纳决策中的作用提供强有力的实证洞见。