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All Journal Jurnal Strategi Bisnis Teknologi
Chusnul Maulidina Hidayat
Telkom University Purwokerto
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Integrasi Financial Technology dan Literasi Keuangan dalam Membentuk Keputusan Investasi Generasi Milenial di Era Ekonomi Digital Candra Candra; Chusnul Maulidina Hidayat; Deni Sunaryo
Jurnal Strategi Bisnis Teknologi Vol. 2 No. 2 (2025): Mei : Jurnal Strategi Bisnis Teknologi (JUSBIT)
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jusbit.v2i2.1583

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.
Co-Authors Candra Candra Deni Sunaryo, Deni