E-integrated corporate governance model at the peer to peer lending fintech corporation for sustainability performance
Mutamimah, Robiyanto R.
Abstract
The peer to peer lending financial technology corporation as a digital-based intermediary has two types of agency relationships: (1) Between financial technology corporation as an agent with investors as a principal; (2) Between financial technology corporation as an agent and the small-medium enterprises as a third party (debtors). Both of these agency relationships currently run independently and are separate from other agency relationships, so they are not effective in improving performance. Therefore, the purpose of this article is to develop a conceptual framework of the e-integrated corporate governance model at the peer to peer lending financial technology corporation to improve sustainability performance. The research method in this article was reviewing articles related to corporate governance, finding gaps and limitations. The results of this study are that because business processes in financial technology corporations are interconnected systems, both corporate governances must be integrated with information technology, in order to improve sustainability performance. With this model, asymmetric information between the three parties (depositors/investors, financial technology corporation, and small-medium enterprises) and all stakeholders can be eliminated, risks can be reduced, business processes and financial and non-financial information of the three parties is more transparent and accessible for all stakeholders.
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