<![CDATA[This research investigated how financial literacy, risk perception, and technological progress shape investment choices among Generation Z via a quantitative method. Primary data came from an online survey distributed through Google Forms to 80 purposively selected participants, analyzed using Structural Equation Modeling (SEM) in SmartPLS. Findings revealed that the variables collectively influence investment decisions (R² = 0.555); individually, risk perception and tech advancements exerted positive, significant impacts, while financial literacy had a positive but only marginally significant effect. In essence, Gen Z's investment behaviors stem from more than just financial expertise they're also driven by psychological and digital elements. That said, limitations include the quantitative focus, modest sample size, and narrow respondent scope, yet it adds value to the field with an integrated framework for digital-age decision-making.]]>
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