Integrasi Financial Technology dan Literasi Keuangan dalam Membentuk Keputusan Investasi Generasi Milenial di Era Ekonomi Digital

Candra  Candra; Chusnul Maulidina Hidayat; Deni Sunaryo

doi:10.61132/jusbit.v2i2.1583

Authors

Candra Candra Universitas Prof Dr Hafiz MPH
Chusnul Maulidina Hidayat Telkom University Purwokerto
Deni Sunaryo Universitas Serang Raya

DOI:

https://doi.org/10.61132/jusbit.v2i2.1583

Keywords:

Financial Literacy, Financial Technology, Investment Behavior, Investment Decision, Millennial Generation

Abstract

Background: This study is based on the rapid development of financial technology (fintech), which has driven changes in financial behavior, particularly among the millennial generation. However, this growth has not been fully supported by adequate financial literacy, potentially affecting the quality of investment decisions. Objective: This study aims to analyze the influence of fintech and financial literacy on investment decisions among millennials. Methods: The study employs a quantitative approach with an explanatory design, involving 150 respondents selected using purposive sampling. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression, supported by validity, reliability, and simultaneous tests. Results: The findings indicate that fintech and financial literacy have a positive and significant effect on investment decisions, both partially and simultaneously, with fintech showing a more dominant influence. These results suggest that ease of access and technological advancements are key drivers of investment activities, while financial literacy serves as a fundamental factor in enhancing rational decision-making. Therefore, the integration of fintech and financial literacy is essential in improving the quality of investment decisions in the digital era.

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