The Role of Fintech on Gold Investment Decision to Improve Financial Inclusion in Mataraman Java Region

Abstract

Financial literacy is one of the important steps in increasing investment to help people choose the right and safe investment. The low level of financial literacy in Indonesia is one of the urgencies to conduct research related to financial decision making. With the development of technology, the financial literacy needed also extends to digital literacy because all systems in investment have intersected with digital systems. The purpose of this study is to analyze the role of Financial Technology (Fintech) on Gold Investment Decision. The variables in fintech are Perceived ease to use (X1) and Perceived usefulness (X2), other variables are Financial Literacy (Z) and Gold investment decision as the dependent variable. The urgency of the research is expected to help detect whether financial inclusion in the Mataraman Java area has been used properly in investment.

This research is a causality quantitative research with financial literacy variables as intervening variables. The research population is users of investment application technology in generation Z, the number of samples in this study amounted to 83 respondents who already have gold investments. The results of this study indicate that perceived ease of use has no significant effect on financial literacy and gold investment decisions. The perceived usefulness variable has a significant effect on financial literacy and Gold investment decisions. Perceived ease of use and perceived usefulness have a significant effect on gold investment decision with financial literacy as an intervening variable.