<![CDATA[The rapid growth of digital technology has transformed financial services, including digital gold investment through the Pegadaian Digital application. However, Generation Z’s interest in digital gold investment, especially among working students, is still influenced by digital financial literacy and perceived ease of use. This study aims to examine the effect of digital financial literacy on interest in digital gold investment, with perceived ease of use as a mediating variable among Generation Z working students at INSTIKI, Bali. A quantitative associative approach was applied using a survey of 100 respondents selected through purposive sampling. Data were analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The findings show that digital financial literacy has a positive and significant effect on investment interest (β = 0.379; p = 0.017). It also significantly influences perceived ease of use (β = 0.622; p = 0.000). Furthermore, perceived ease of use positively affects investment interest (β = 0.404; p = 0.021) and mediates the relationship between digital financial literacy and investment interest. Descriptive results indicate high levels of digital financial literacy (72), perceived ease of use (70), and investment interest (72). These findings highlight the importance of improving digital financial education and enhancing application usability to increase digital gold investment interest.]]>
Copyrights © 2026
