Trust and Personal Innovativeness as the Prerequisites for Using Digital Lending Services Offered by FinTech Lenders

Theoretical background: Contemporary financial systems have been going through a period of dynamic changes since the beginning this century. A special role in process is played by technological innovations, especially digitalization systems, which resulted development FinTech lenders. These entities are active various segments services market, including area consumer loans (FinTech lenders). The conducted research confirms lending activity worldwide and indicates leading position Poland among countries Central Eastern Europe terms volume digital lending. review source literature shows small number scientific studies devoted to identifying reasons underlying growing interest consumers offer perceived gap became motivation undertake addressing topic relation Polish market non-banking loan services. Purpose article: Determining place importance trust personal innovativeness for consumers’ decisions use offered lenders Poland. Research methods: Critical analysis literature, descriptive comparative analysis, diagnostic survey as well simple statistical methods, i.e. structure or Kendall’s Tau correlation analysis. empirical data were collected May 2022 using CAWI (computer-assisted web interview) method. sample was representative included 1,000 representatives population. Main findings: Among factors determining adoption lenders’ clients, two groups constructs can be distinguished. first one consists classic prerequisites (e.g. ease [PEU], usefulness [PU]), identified wide range offering based on information technologies. second group attributed mainly lenders, taken expressed (T) (PI). analyzes carried out article confirmed that represent statistically significant influencing made Poles related influence these adopted attitudes function their mutual relationship, reciprocal reinforcement factors. also developing economic demographic profile person It man, aged 25–34, university graduate earning an income exceeding PLN 5,000 residing city populated over 500,000 residents.