<![CDATA[The development of Financial Technology (FinTech) has transformed how individuals obtain information, access financial services, and engage in investment activities. The convenience offered by these technologies needs to be supported by adequate investment knowledge and the ability to assess risks to facilitate rational investment decisions. This study aims to examine the effects of investment literacy and risk perception on investment decisions and to investigate the role of FinTech in strengthening these relationships. The study employs a quantitative approach with an explanatory research design. Data were collected through questionnaires distributed to individuals with investment experience and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results indicate that investment literacy, risk perception, and FinTech utilization have positive and significant effects on investment decisions. Investment literacy emerges as the strongest factor influencing investment decisions. In addition to its direct effect, FinTech serves as a moderator that strengthens the relationships between investment literacy and investment decisions and between risk perception and investment decisions. These findings highlight that better investment decisions can be fostered by enhancing investment knowledge, improving risk awareness, and utilizing FinTech services appropriately. This study provides practical implications for investors and digital financial service providers in promoting more informed, rational, and adaptive investment decision-making in response to technological developments.]]>
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