The Influence Of Internet Usage, Financial Behaviour, And Financial Literacy On Investment Decisions
Abstract
The advent of the digital era has significantly transformed individuals' lives, particularly in terms of their access to a wide range of information and financial services. Social media, the internet, and advancements in financial technology (fintech) are expanding financial accessibility for individuals who previously lacked access to conventional services. Fintech facilitates access to a wide range of cutting-edge financial services and products, including digital platforms for payments, investments, and loans. These products provide the benefits of investment diversification and convenient access to information. Despite the increasing accessibility of financial information, the degree of financial literacy in Indonesia remains insufficient. This can lead to a range of financial issues, including an influx of inexperienced young investors who lack a comprehensive understanding of investment products and financial planning. The objective of this study is to analyse the impact of Internet usage, financial behaviour, and financial literacy on investment decision-making. This research aims to produce significant theoretical and practical advancements in the field of finance and investing. Additionally, it seeks to assist young investors in making informed and intelligent investment choices. This study employs quantitative methodologies, focusing on young investors in Indonesia. The data gathering methods employed questionnaires, while the data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS).
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