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All Journal Jurnal Informatika dan Multimedia Jurnal ABDINUS : Jurnal Pengabdian Nusantara Journal Automation Computer Information System (JACIS) International Journal Software Engineering and Computer Science (IJSECS) Jurnal Pengabdian pada Masyarakat Ilmu Pengetahuan dan Teknologi Terintegrasi MATRIX : JURNAL MANAJEMEN TEKNOLOGI DAN INFORMATIKA Jurnal Informatika dan Multimedia International Journal of Entrepreneurship, Business, and Creative Economy International Journal of Multidisciplinary Sciences and Arts Jurnal Informatika Polinema (JIP) Journal of Information Technology and Cyber Security
Toga Aldila Cinderatama, Toga Aldila
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Humanities Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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Journal : International Journal of Multidisciplinary Sciences and Arts

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From Intuition to Automation: A Comparative Study of Traditional Investment Decisions and Robo-Advisory Adoption Among Retail Investors in Indonesia Pinandhito, Kenneth; Ayundyayasti, Prima; Fajria, Rola Nurul; Cinderatama, Toga Aldila; Martia, Dina Yeni
International Journal of Multidisciplinary Sciences and Arts Vol. 4 No. 3 (2025): International Journal of Multidisciplinary Sciences and Arts, Article July 2025
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/ijmdsa.v4i3.6463

Abstract

The development of digital technology has transformed the investment decision-making process from being based on human analysis to automated algorithm-based solutions such as robo-advisors. This study aims to compare traditional and technology-based investment decision-making approaches among retail investors in Indonesia, focusing on adoption, perceived trust, and effectiveness of robo-advisor use. Using quantitative descriptive-correlational approach to compare traditional and technology-based investment decision-making methods, this study collected survey data from 120 individual. The results show a significant positive correlation between trust in traditional methods and the use of investment applications, although the adoption rate of robo-advisors is still low. The main barriers faced are low digital literacy and lack of trust in automated systems. These findings emphasize the importance of targeted investor education and increased transparency on robo-advisory platforms. This study contributes to the literature on fintech adoption in emerging markets and offers practical insights for fintech developers and policymakers.
Co-Authors Abidatul Izzah Amini, Julia Intan Ashafidz Fauzan Dianta, Ashafidz Fauzan Asmoro, Wiwiek Kusumaning Asti, Irfin Sandra Atik Tri Andari, Atik Tri Ayundyayasti, Prima Benni Agung Nugroho, Benni Agung Candra Bella Vista Devianti, Meryta Dewi, Isyana Wikrama Dharma Tungga Dina Yeni Martia Eliyen, Kunti Fadelis Sukya, Fadelis Fajria, Rola Nurul Fery Sofian Efendi Fitria Nur Hamidah, Fitria Nur Kenneth Pinandhito Moch Zawaruddin Abdullah Nugraha, Girindra Fajar Nugroho , Benni Agung Prasetyo, Junaedi Adi Prasetyo, Junaedi Adi Putranti, Eti Ratna Widyastuti, Ratna Rinanza Zulmy Alhamri, Rinanza Zulmy Rudy Ariyanto Setianingsih, Novie Astuti Sofian Efendi, Fery Wahyu, Mujahid Windawati, Atif Yanuarmawan, Dion Yunhasnawa, Yoppy Zulmy Alhamri, Rinanza