<![CDATA[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.]]>
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