The Influence of Financial Lending App Usage on Risky Credit Behavior: A View from Mental Accounting and Social Capital

Understanding and managing risky credit behavior is crucial in business and financial activities. Credit risk involves the likelihood of borrower default, while risky credit behavior includes poor repayment habits and high default rates. However, a limited body of literature explored the influence of Lending App Usage on risky credit behaviors. Thus, by using the data collected from the Middle East, this research analyses interactive impacts of Lending App Usage and financial activities on risky credit behavior from the theoretical perspectives of Mental Accounting and Social Capital. Our research provides a theoretical conceptual framework based on the Mental Accounting, and Social Capital theories, offers insights into the body of knowledge on risky credit behavior and IT usage, and provides empirical evidence for decision-makers in the Fintech market.