Rahmasari, Adelia Gita
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The Influence of Lifestyle, Financial Technology, And Financial Literacy on Millenials’ Digital Gold Investment Decisions Rahmasari, Adelia Gita; Sumiati
Jurnal Management Risiko dan Keuangan Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.2.03

Abstract

Purpose –  This study aims to examine the influence of lifestyle, financial technology, and financial literacy on millennials’ decisions in Malang City to invest in digital gold.    Design/methodology/approach – This explanatory quantitative research tests causal relationships among variables using hypothesis testing. The sample consists of 120 respondents selected through non-probability purposive sampling. Data were analyzed using multiple linear regression with SPSS version 27.   Findings – The results show that lifestyle, financial technology, and financial literacy each have a positive and significant effect on investment decisions, both partially and simultaneously.   Originality/value – This study integrates behavioral, technological, and financial literacy factors to explain digital gold investment decisions among millennials, offering a more comprehensive view of modern investment behavior.