Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Sinkron : Jurnal dan Penelitian Teknik Informatika TECHNOVATE
Astari, Gusti Ayu Shinta Dwi
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : TECHNOVATE

 1 
Evaluating Student Investment Interest Amidst Financial Technology Ease Astari, Gusti Ayu Shinta Dwi; Wijaya, Bagus Kusuma
TECHNOVATE: Journal of Information Technology and Strategic Innovation Management Vol. 2 No. 4 (2025): October 2025
Publisher : PT.KARYA GEMAH RIPAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52432/technovate.2.4.2025.163-167

Abstract

The emergence of investment features within Fintech ecosystems has democratized access to capital markets for Generation Z. However, empirical evidence suggests a disconnect between accessibility and actual investment participation. This study aims to analyze the gap between investment interest (intention) and actual investment behavior (action) among university students. Employing a descriptive quantitative method with 30 respondents, the research investigates the determinants of low investment uptake despite high digital fluency. The findings reveal a significant "Intention-Behavior Gap": while 85% of respondents expressed a strong desire to invest, only 23% actively utilize investment features. The primary barriers identified are not capital constraints, but rather low "Risk Literacy" and "Herding Behavior" where students rely on influencers rather than fundamental analysis. The study concludes that technological ease without fundamental financial education triggers "Fear of Missing Out" (FOMO) rather than rational investment decision-makin.
Co-Authors Asana, I Made Dwi Putra Dewi, Ni Putu Wahyuni Dewi, Ni Wayan Jeri Kusuma Nirwana, Ni Kadek Ayu Wijaya, Bagus Kusuma