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All Journal Journal of Management - Small and Medium Enterprises (SME's)
Benny Dhevyanto
Department of Management, Faculty of Economics and Business, University of Swadaya Gunung Jati
Economics, Econometrics & Finance

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The influence of fintech, financial literacy, and lifestyle on the investment of the younger generation Moch. Ilham Nugraha Irawan; Maiyaliza Maiyaliza; Benny Dhevyanto
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 3 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i3.28063

Abstract

Advances in digital technology have transformed how the younger generation approaches financial management and investment decision-making. This study aims to examine the influence of financial technology (fintech), financial literacy, and lifestyle on the investment decisions of the younger generation. The research adopts a quantitative approach and is conducted among students of Swadaya Gunung Jati University in Cirebon who are investors in GIBEI UGJ. Primary data are collected through a structured questionnaire and analyzed using SPSS version 27, including tests of validity, reliability, and classical assumptions, followed by multiple regression analysis. The findings indicate that financial technology and lifestyle exert a significant influence on investment decisions among the younger generation. In contrast, financial literacy does not show a significant effect in this context. These results suggest that ease of access, interactive features, and the prevailing digital lifestyle encourage greater investment participation, even when financial understanding is limited. Accordingly, fintech service providers are expected to balance transactional convenience with enhanced financial education, while educational institutions should strengthen financial literacy through more practical approaches to support more rational and sustainable investment decision-making among the younger generation. Keywords: Fintech; Financial Literacy; Lifestyle; Investment Decisions; Younger Generation
Co-Authors Maiyaliza Maiyaliza Moch. Ilham Nugraha Irawan