ABSTRACT : The purpose of this study is to determine the factors that influence the interest in managing online financial technology (peer to peer lending) including factors such as income level, needs, lifestyle, interest rates, procedures and promotions. The population in this study is online loan users who are in Cimahi. The sampling technique used in this study is the probability sampling technique and sample data obtained as many as 110 respondents. This study uses primary data obtained from questionnaire results and then analyzed. Based on testing, the income results have a negative and significant effect on the interest in using online financial technology. Needs, interest rates, procedures, and promotions have a positive and significant effect on the interest in using online financial technology. Lifestyle does not affect the interest in using online financial technology.

KEYWORDS – Interests, Online Lending, Income, Lifestyle, Needs, Interest, Procedure, Promotion