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INDONESIA
TECHNOVATE
Published by PT. KARYA GEMAH RIPAH
ISSN : -     EISSN : 30472466     DOI : https://doi.org/10.52432/technovate
TECHNOVATE: Journal of Information Technology and Strategic Innovation Management is a scientific journal that publishes original articles based on the latest knowledge, research, and applied research as well as the latest scientific developments in Information Technology, Enterprise-Oriented Solutions, Information System Development. The journal scope covers the academic and empirical studies on Information Technology with an orientation toward managerial approaches and guidelines. The areas of interest include in following subjects, but are not limited to: Managerial Implications of Information Systems Implementation Virtual and Networked Organizations Social Networks Electronic Business (e-Business) Electronic Commerce (e-Commerce) Electronic Government (e-Government) IT Implications for Change Management IT Project Management (ITPM) Information Technologies and Social Organization Organizational IT governance and control Organizational Learning (OL) Human-Computer Interaction (HCI) Ethics of Information Technology IT-Based Learning and Training including e-Learning, Blended Learning, and so on Information Management Software Validation and Verification Metrics Simulation Techniques and Systems Mobile Computing Government Information Systems Strategic Information Systems (SIS) IT Implications for Change Management IT Project Management (ITPM) Business Modeling, Requirement Management, System Analysis, Design, Implementation, Test, and Deployment
Articles 1 Documents
Search results for , issue "Vol. 2 No. 4 (2025): October 2025" : 1 Documents clear
Evaluating Student Investment Interest Amidst Financial Technology Ease Astari, Gusti Ayu Shinta Dwi; Wijaya, Bagus Kusuma
TECHNOVATE: Journal of Information Technology and Strategic Innovation Management Vol. 2 No. 4 (2025): October 2025
Publisher : PT.KARYA GEMAH RIPAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52432/technovate.2.4.2025.163-167

Abstract

The emergence of investment features within Fintech ecosystems has democratized access to capital markets for Generation Z. However, empirical evidence suggests a disconnect between accessibility and actual investment participation. This study aims to analyze the gap between investment interest (intention) and actual investment behavior (action) among university students. Employing a descriptive quantitative method with 30 respondents, the research investigates the determinants of low investment uptake despite high digital fluency. The findings reveal a significant "Intention-Behavior Gap": while 85% of respondents expressed a strong desire to invest, only 23% actively utilize investment features. The primary barriers identified are not capital constraints, but rather low "Risk Literacy" and "Herding Behavior" where students rely on influencers rather than fundamental analysis. The study concludes that technological ease without fundamental financial education triggers "Fear of Missing Out" (FOMO) rather than rational investment decision-makin.

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