Keputusan Investasi Digital Generasi Milenial dan Z: Menguji Pengaruh Fintech, Literasi, Persepsi Risiko, dan Financial Attitude

Chelsea Aulia Putri, Nur Prasetyo Aji

Abstract


Penelitian ini bertujuan untuk mengetahui pengaruh financial technology, literasi keuangan, dan persepsi risiko terhadap keputusan investasi digital dengan financial attitude sebagai variabel moderasi pada generasi milenial dan generasi Z di wilayah Solo Raya. Penelitian ini dilatarbelakangi oleh semakin meningkatnya penggunaan teknologi dalam aktivitas investasi, namun belum diimbangi dengan pemahaman perilaku keuangan secara menyeluruh. Metode yang digunakan adalah pendekatan kuantitatif dengan analisis Partial Least Square (PLS) menggunakan SmartPLS 4. Pengujian dilakukan melalui evaluasi model pengukuran yang meliputi validitas dan reliabilitas, serta evaluasi model struktural melalui nilai R² dan uji hipotesis menggunakan bootstrapping. Hasil penelitian menunjukkan bahwa literasi keuangan, persepsi risiko, dan financial attitude berpengaruh positif dan signifikan terhadap keputusan investasi digital, sedangkan financial technology tidak berpengaruh signifikan. Selain itu, financial attitude terbukti mampu memoderasi pengaruh literasi keuangan dengan arah yang melemahkan, namun tidak memoderasi pengaruh financial technology dan persepsi risiko. Temuan ini menunjukkan bahwa dalam pengambilan keputusan investasi digital, faktor perilaku memiliki peran yang lebih besar dibandingkan faktor teknologi.

Keywords


Financial Attitude; Financial Technology; keputusan investasi digital; literasi keuangan; persepsi risiko.

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References


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DOI: https://doi.org/10.17509/ijdb.v5i4.99441

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