Pengaruh Teknologi Digital Terhadap Keputusan Investasi dengan Peran Literasi Keuangan Sebagai Variabel Mediasi
DOI:
https://doi.org/10.37385/msej.v6i6.10750Keywords:
teknologi digital, literasi keuangan, keputusan investasi, perilaku investasi, SmartPLSAbstract
Penelitian ini bertujuan menganalisis pengaruh teknologi digital terhadap keputusan investasi dengan literasi keuangan sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif dengan desain survei. Sampel penelitian berjumlah 77 responden yang dipilih melalui purposive sampling, dengan kriteria memiliki akses internet, menggunakan teknologi digital untuk aktivitas keuangan, serta memiliki pengalaman atau minat dalam investasi. Data dikumpulkan melalui kuesioner online dengan skala Likert lima poin dan dianalisis menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa teknologi digital berpengaruh positif dan signifikan terhadap keputusan investasi dan literasi keuangan. Literasi keuangan juga berpengaruh positif dan signifikan terhadap keputusan investasi. Selain itu, literasi keuangan terbukti mampu memediasi secara signifikan pengaruh teknologi digital terhadap keputusan investasi. Nilai R Square menunjukkan bahwa model memiliki kemampuan penjelasan yang kuat. Temuan ini menegaskan bahwa pemanfaatan teknologi digital yang didukung oleh literasi keuangan yang baik dapat meningkatkan kualitas keputusan investasi masyarakat.
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