investment decisions with financial technology as a moderating variable. The type of research conducted in this research is quantitative with purposive sampling technique. The population and sample in this study were Generation Z in Indonesia. The data method used in this study was a questionnaire method via google form. The data analysis used in this study is moderated regression analysis (MRA) using SPSS. The results show that financial literacy and financial behavior have a positive effect on investment decisions, while financial technology as a moderating variable does not have a positive effect on these two variables
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