ADOPTION INTENTION FOR DIGITAL LENDING SPREAD: A BIBLIOMETRIC CONTENT ANALYSIS AND FUTURE RESEARCH DIRECTIONS

ABSTRACT The emergence of digital lending platforms has revolutionized loan accessibility, facilitating effortless online borrowing. Comprehending the determinants of adoption and their influence on the expansion of digital lending is essential for financial stakeholders. This study conducts a systematic review and bibliometric-content analysis to identify key areas, research shortcomings, and future directions. This study analyses authorship trends and theme shifts using data from the largest database Scopus, providing a systematic framework to inform future research and improve comprehension of digital lending acceptance. The study was operationalized using PRISMA framework, including defining the research topic and scope, creating a search strategy, and extracting data from Scopus. After data cleaning and validation, R Studio and VOSviewer were used for bibliometric analysis. The study assessed the literature through systematic review and synthesis to guarantee consistency and additional value. This study covers digital lending research trends, subject groupings, and important contributors. Academic research highlights the growing attention on financial inclusion, behavioural factors, peer-to-peer lending, and Fintech innovation in emerging nations. Numerous research gaps exist in geographic representation, socio-technical approaches, and inclusive financing. Theory provides a framework for future study, while practical implications aid fintech practitioners, legislators, and industry leaders in streamlining digital lending networks. Future evidence collection should incorporate broader datasets, longitudinal research, and new technologies to ensure digital lending sustainability. Keywords: Digital Lending Platforms, Internet Credit Loan, Bibliometric Analysis, Thematic Clustering, Adoption Determinants