<![CDATA[Purpose: This study tests an integrated model linking financial literacy, self-confidence, fintech adoption, a saving-oriented lifestyle, and religiosity to young Indonesian investors' investment decisions, and examines whether income stability, risk tolerance, and social-media influencer exposure moderate these relationships. Methods: Using a purposive, community-based sample of 300 young investors (18-40 years) with actual transaction experience, data were analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 4. Findings: All five direct effects were significant at p < .01, led by financial literacy (β = 0.287), followed by a saving-oriented lifestyle (β = 0.241), self-confidence (β = 0.201), religiosity (β = 0.189), and fintech adoption (β = 0.163). Of nine hypothesized moderation effects, six (risk tolerance and influencer exposure paths) were significant in the hypothesized direction; the three income-stability interactions ran opposite to the pre-estimation hypothesis and are reported as not supported, treated here as an exploratory finding. The model explained 57.0% of the variance in investment decisions (R² = 0.570; SRMR = 0.062). Research Implications: Given the cross-sectional, self-reported, purposive design, findings describe this digitally engaged, community-affiliated segment rather than causal or nationally representative patterns; the study is explanatory-associational, not predictive. It offers preliminary implications for financial-literacy curricula and fintech platform design, pending confirmatory research. Originality: This study is among the first to jointly estimate these five predictors and three moderators within a single model for a young, community-affiliated Indonesian investor segment, treating accounting-information-reading ability strictly as one literacy indicator rather than an independently validated mechanism.]]>
