<![CDATA[Purpose – This study aims to analyze the influence of investment knowledge, investment risk perception, and financial technology on the investment intentions of Generation Z in the digital era. Design/methodology/approach – This quantitative study uses a purposive sampling technique with 120 Generation Z respondents who have knowledge of or experience using investment instruments. Data were collected through questionnaires that had passed validity and reliability tests. The data were analyzed using multiple linear regression after conducting classical assumption tests. Findings – The results indicate that investment knowledge and financial technology have a significant positive influence on investment intentions. Meanwhile, investment risk perception has a significant negative influence on investment intentions. These findings show that greater financial understanding and technological accessibility can encourage investment participation, while higher perceived risk may reduce investment interest. Originality/value – This study contributes to investment behavior literature by integrating knowledge, psychological risk perception, and technological factors to explain Generation Z’s investment intentions in the digital financial era. The findings provide practical insights for financial educators and fintech developers in designing strategies to increase young investors’ participation.]]>
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