PENGARUH PENGGUNAAN FINANCIAL TECHNOLOGY, RISK TOLERANCE, DAN LITERASI KEUANGAN TERHADAP KEPUTUSAN INVESTASI GENERASI Z

AMANDA, DELA PASHA PUSPITA (2025) PENGARUH PENGGUNAAN FINANCIAL TECHNOLOGY, RISK TOLERANCE, DAN LITERASI KEUANGAN TERHADAP KEPUTUSAN INVESTASI GENERASI Z. S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

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. Keywords: Financial Technology, Risk Tolerance, Financial Literacy, Investment Decisions Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan financial technology, risk tolerance, dan literasi keuangan terhadap keputusan investasi generasi Z. Latar belakang penelitian ini didasari oleh meningkatnya minat investasi pada generasi Z yang banyak memanfaatkan platform digital, namun seringkali menghadapi tantangan dalam pengelolaan risiko serta pemahaman literasi keuangan. Penelitian ini menggunakan metode kuantitatif dengan teknik purposive sampling dan melibatkan 145 responden generasi Z. Analisis data dilakukan menggunakan SmartPLS 4.0 untuk menguji hubungan antarvariabel penelitian. Hasil penelitian menunjukkan bahwa financial technology, risk tolerance, dan literasi keuangan berpengaruh positif dan signifikan terhadap keputusan investasi generasi Z. Penelitian ini diharapkan dapat menjadi referensi bagi investor muda, penyedia layanan fintech, maupun pihak terkait dalam meningkatkan kualitas pengambilan keputusan investasi. Kata kunci: Financial Technology, Risk Tolerance, Literasi Keuangan, Keputusan Investasi

Item Type:	Thesis (S1)
Call Number CD:	FE/MJ. 25 406
NIM/NIDN Creators:	43121110082
Uncontrolled Keywords:	Financial Technology, Risk Tolerance, Literasi Keuangan, Keputusan Investasi
Subjects:	100 Philosophy and Psychology/Filsafat dan Psikologi > 150 Psychology/Psikologi > 152 Sensory Perception, Movement, Emotions, Physiological Drives/Psikologi Fisiologis 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.6 Investment/Investasi 600 Technology/Teknologi > 600. Technology/Teknologi
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	khalimah
Date Deposited:	28 Oct 2025 08:29
Last Modified:	28 Oct 2025 08:29
URI:	http://repository.mercubuana.ac.id/id/eprint/99912

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