The purpose of this study is to determine the effect that is given - each factor on initial trust and Perceived Risk then is associated again with investment intention. The object in this study were 203 Universitas Indonesia undergraduate students representing all 14 faculties and uses a questionnaire with a purposive sampling technique in taking the necessary data. The factors in this study are divided into two of them, individual factors such as risk appetite and trust propensity, and platform factors such as perceived ease of use, perceived security, perceived reputation, perceived legality institution, then the two factors mediated by initial trust and perceived risk, and provides an explanation of the investment intention in P2P lending. The results of this study are perceived reputation has a negative and significant influence on perceived risk, perceived security has a positive and significant effect on perceived security, then also has a positive and significant effect on trust propensity, initial trust has a positive and significant effect on investment intention. © IAEME Publication Scopus Indexed.