Subject. This article discusses the operating peculiarities of P2P lending platforms in the Republic of Indonesia. Objectives. The article aims to analyze the key factors that contribute to the sustainable operation of P2P platforms, taking into account the structural, regulatory and operational aspects of their activities in Indonesia. Methods. For the study, I used the methods of analysis and generalization. Results. The study identifies the key drivers and factors that affect the stability of P2P platforms and outlines the direction for their further study. Conclusions and Relevance. The study highlights the importance of the impact of structural, regulatory, and operational aspects on the stability and efficiency of P2P platforms, pointing to the critical importance of properly organized regulation and governance. The findings can be used for legislative decisions of government agencies and be useful for researchers in studying trends in the development of digital platforms.
Keywords: P2P platform, Peer-to-Peer lending, FinTech, regulation, global financial markets
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