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This is a Qualitative approach study (also classified as: Comparative study).

Financial Literacy and Investment Decision-Making Tendencies: A Comparative Study between Millennials and Gen Z in Indonesia

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Both generations show basic financial literacy, but their understanding sources differ significantly.
Millennials typically use traditional sources, aiming for long-term stability, preferring conservative investments.
Gen Z learns through digital platforms, focusing on fast results and showing a high appetite for risk.
Investment decisions for Gen Z are heavily influenced by trends and social media, contrasting with millennials' cautious approach.

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Qualitative study compares financial literacy and investment tendencies in millennials and gen z, highlighting their differing motivations.

Nilawati et al. (2025) studied this question.

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Qualitative study compares financial literacy and investment tendencies in millennials and gen z, highlighting their differing motivations.