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Analysis of investment decisions with financial technology as a moderating variable among private employees in Surabaya

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Investment decisions are influenced by financial literacy and risk perception among private employees in Surabaya, and fintech technology plays a moderating role.
Findings show that financial literacy, risk perception, and tax literacy significantly contribute to investment behaviors of millennials, with fintech enhancing these effects.
Data analysis employed a quantitative approach using smartPLS 4.0 on responses from 100 private sector millennials, providing robust insights into their investment motivations.
Study highlights the importance of financial education and fintech adoption, suggesting potential improvements for investment strategies in the digital era.

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Quantitative analysis reveals financial literacy and risk perception impact investment decisions, with fintech as a moderating factor.

Felani et al. (2025) studied this question.

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