The Effect Of Financial Technology Usage, Risk Tolerance, And Financial Literacy On Generation Z’s Investment Decisions
DOI:
https://doi.org/10.66755/belacoss.v2i2.181Keywords:
Financial Technology, Risk Tolerance, Financial Literacy, Investment DecisionsAbstract
This study aims to analyze the influence of financial technology, risk tolerance, and financial literacy on investment decisions among Generation Z. The background of this research is based on the growing interest of Generation Z in investment activities, which are largely facilitated through digital platforms, yet often face challenges in risk management and financial literacy. This research employed a quantitative method with purposive sampling, involving 145 respondents from Generation Z. Data analysis was carried out using SmartPLS 4.0 to examine the relationships between the variables. The results indicate that financial technology, risk tolerance, and financial literacy have a positive and significant effect on investment decisions among Generation Z. This study is expected to serve as a reference for young investors, fintech providers, and related stakeholders in improving the quality of investment decisions
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