Abstract— Since 2016 the P2P Lending industry has begun to
develop in Indonesia. Peer to Peer Lending (P2P Lending) is a new
alternative to getting funds in the form of money loans to
individuals or investors. Fintech P2P Lending provides
convenience through a simple and fast service. Its features can be
accessed by anyone, anytime, anywhere. On the other hand,
investors or lenders have investment alternatives with attractive
returns. So that it quickly spread to all segments of Indonesian
society. The purpose of this research is to analyze what factors can
influence trust in using of P2P Lending in Indonesia. The
difference between this study and previous research is that there
is no research that focuses on trust in the use of FinTech, especially
P2P Lending in Indonesia. This research is a type of quantitative
research that used is primary data obtained by distributing
questionnaires directly to Indonesians. The samples taken by
Simple Random Sampling Technique and obtained 400
respondents as user fintech. And the statistical analysis used in this
study is multiple regression and using SPSS 23 program. Based on
the result, this study showed that the variable of structural
assurance, easy of use, and brand image were significant on trust
in using FinTech, meanwhile the variable of integrity was not
significant on trust in using FinTech.