<![CDATA[The development of Sharia fintech has driven an increase in digital gold investments through the BYON by BSI application. This study aims to analyze the influence of digital financial literacy and attitudes toward digital investment on investment decisions in digital gold, with investment motivation and perceived behavioral control serving as mediating variables. This study employs a quantitative explanatory research approach involving 252 respondents selected through purposive sampling. Data were collected using questionnaires and analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method with SmartPLS software. The results indicate that digital financial literacy and attitudes toward digital investment have positive and significant effects on decisions to invest in digital gold. Furthermore, investment motivation and perceived behavioral control mediate the relationships between digital financial literacy, attitudes toward digital investment, and investment decisions. These findings highlight the importance of financial knowledge, favorable investment attitudes, motivation, and perceived behavioral control in encouraging digital gold investment within the Sharia fintech ecosystem. This study contributes to the development of the Modified Theory of Planned Behavior (TPB) by providing empirical evidence of its applicability to Sharia-compliant digital gold investment through a digital banking platform. The findings may also inform strategies to strengthen digital financial literacy and promote informed investment decisions among potential investors]]>
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