THE PEER-TO-PEER (P2P) FINANCIAL LENDING FACILITIES ECOSYSTEM IN MALAYSIA

Authors

  • CHOOI CHEA CHIAM OPEN UNIVERSITY MALAYSIA
  • SUET CHENG LOW OPEN UNIVERSITY MALAYSIA

DOI:

https://doi.org/10.54554/jtmt.2025.14.01.003

Abstract

In recent years, peer-to-peer (P2P) lending has emerged as a transformative force in the Malaysian financial landscape, offering an alternative financing avenue that bridges the gap between borrowers and investors. P2P lending, a form of financial technology (fintech), enables individuals and businesses to obtain loans directly from investors via online platforms, bypassing traditional financial institutions like banks. While peer-to-peer (P2P) lending has introduced a more inclusive and flexible financing model, it is not without its challenges. Among the challenges faced as the industry continues to grow in Malaysia and globally are such as credit risk, lack of investor protection, regulatory uncertainty, platform sustainability and reliability, lack of public awareness on the P2P lending facility and cybersecurity risks. This paper aims to study on the actual use of the P2P platform in Malaysia by the investor/sponsor perspective. A total of 150 investors were collected in this study and the results of this study could provide insight to various stakeholders on the factors for the usage of the platform and regulate suitable legislation by the policy makers.

Downloads

Download data is not yet available.

Downloads

Published

2026-06-30

How to Cite

CHIAM, C. C., & LOW, S. C. (2026). THE PEER-TO-PEER (P2P) FINANCIAL LENDING FACILITIES ECOSYSTEM IN MALAYSIA. Journal of Technology Management and Technopreneurship (JTMT), 14(1). https://doi.org/10.54554/jtmt.2025.14.01.003

Issue

Vol. 14 No. 1 (2026): (IN PRESS)

Section

Journal of Technology Management and Technopreneurship

License

Copyright (c) 2026 Journal of Technology Management and Technopreneurship (JTMT)

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-By 4.0 (CC BY 4.0)  that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).