Variables

Items

Mean

S. D.

Rank

Level

Order

Laws and Regulations

Regulatory Framework

4

0.904

4th

High

10th

Licensing

4.23

0.883

3rd

High

6th

Governance

3.67

1.142

5th

Upper Average

18th

Financial Consumer Protection

4.4

0.747

1st

High

2nd

Cyber security

4.37

0.965

2nd

High

4th

Technological Factors

Relative advantages

3.89

0.1.003

4th

Upper Average

12th

Complexity

4.09

0.921

1st

High

7th

Accessibility

4.09

0.921

1st

High

7th

Availability

4.09

0.921

1st

High

7th

Sustainability

3.81

1.002

5th

Upper Average

14th

Cost of Implementation

3.73

1.124

7th

Upper Average

16th

Technical Skills

3.73

1.124

7th

Upper Average

16th

Openness to Technology

3.81

1.002

5th

Upper Average

14th

Organizational Factors

Information, products characteristics

3.87

0.959

5th

Upper Average

13th

Security Trust

4.4

0.747

2nd

High

2nd

Payment System

4.41

0.653

1st

High

1st

Platform Administration

3.67

1.142

6th

Upper Average

18th

Reliability of Credit scoring tools

3.92

1.113

4th

Upper Average

11th

Creditworthiness measurement

4.28

0.833

3rd

High

5th

Implementation of Crowdfunding

Reduction of Credit Cost

3.73

1.174

3rd

Upper Average

Increase availability of funding

4.28

0.833

1st

High

Promote entrepreneurship

3.73

1.174

3rd

Upper Average

Promote Investment

4.28

0.833

1st

High