Dinasti International Journal of Economics, Finance & Accounting (DIJEFA)
Vol. 7 No. 4 (2026): Dinasti International Journal of Economics, Finance & Accounting (September - O

The Influence of Gender and Transaction Flexibility on Cryptocurrency Investment Interest in Indonesia

Metta Septiani (Universitas Teknologi Bandung, Bandung, Indonesia.)
Ahmad Albar Tanjung (Universitas Terbuka, Bandung, Indonesia.)
Yudi Limbar Yasik (Universitas Teknologi Bandung, Bandung, Indonesia.)
Agnes Alzena Syafitri (Universitas Teknologi Bandung, Bandung, Indonesia.)
Renny Sunarny (Universitas Teknologi Bandung, Bandung, Indonesia.)
Yuki Hidayat Kusdinar (Universitas Teknologi Bandung, Bandung, Indonesia.)



Article Info

Publish Date
06 Oct 2026

Abstract

Cryptocurrency has become an increasingly accessible digital investment instrument, yet participation remains uneven across demographic groups and may depend on the flexibility offered by digital transactions. This study examines the influence of gender and transaction flexibility on cryptocurrency investment interest in Indonesia. A quantitative explanatory design was applied to survey data from 109 respondents aged 17 years and older, selected through purposive sampling. Cryptocurrency investment interest was coded as a binary outcome and analysed using binary logistic regression. The results indicate that gender significantly predicts cryptocurrency investment interest (B = 3.481; p = 0.010; odds ratio = 32.498). Transaction flexibility is also jointly significant (Wald = 22.445; df = 3; p < 0.001), although one category produces an unstable estimate and therefore requires cautious interpretation. The study contributes by jointly examining a demographic factor and a technology-related transaction attribute in explaining cryptocurrency investment interest. The findings suggest that accessible and flexible transaction mechanisms may support participation, while investor education should address persistent gender differences and the risks inherent in crypto assets.

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Journal Info

Abbrev

DIJEFA

Publisher

Subject

Economics, Econometrics & Finance

Description

The author is invited to submit a paper for Dinasti International Journal of Economics, Finance & Accounting (DIJEFA). Topics related to this journal include but are not limited to: Accounting and financial reporting Audit Accounting management Taxation Corporate finance Personal finance Financial ...