ABSTRAK

PENGGARUH  FINANCIAL TECHNOLOGY, LITERASI KEUANGAN DAN KEMUDAHAN PENGGUNAAN TERHADAP KEPUTUSAN INVESTASI PADA GENERASI MILINEAL DI KOTA BANJARMASIN (Oleh: Rizky Fergiawan; Pembimbing; Ali Sadikin; 2026; 123 halaman)

Perkembangan sektor keuangan digital telah mendorong partisipasi investasi yang signifikan di kalangan generasi milenial sebagai motor utama pertumbuhan pasar modal ritel nasional. Tujuan studi ini ingin menganalisa serta memahami pengaruh financial technology, literasi keuangan, dan kemudahan penggunaan terhadap keputusan investasi pada generasi milenial di Kota Banjarmasin periode 2024-2025. Peneliti menerapkan metode kuantitatif dengan membagikan angket kepada partisipan yaitu generasi milenial di Kota Banjarmasin. Kemudian datanya dianalisa melalui regresi linear berganda berbantuan aplikasi SPSS. Hasilnya membuktikan jika baik secara simultan ataupun partial setiap variabel bebasnya berkontribusi pada keputusan investasi generasi milenial di Kota Banjarmasin secara signifikan positif. Temuan ini menegaskan jika integrasi platform keuangan digital yang andal, pemahaman finansial yang matang, serta antarmuka aplikasi yang ramah pengguna merupakan pilar utama untuk mendukung kualitas pengambilan keputusan investasi generasi muda di daerah urban.

Kata Kunci: Financial Technology, Literasi Keuangan, Kemudahan Penggunaan, Keputusan Investasi, Generasi Milenial.

ABSTRACT

THE INFLUENCE OF FINANCIAL TECHNOLOGY, FINANCIAL LITERACY, AND EASE OF USE ON INVESTMENT DECISIONS AMONG MILLENNIALS IN BANJARMASIN CITY (By: Rizky Fergiawan; Supervisor: Ali Sadikin; 2026; 123 pages)

The rapid development of the digital financial sector has driven significant investment participation among millennials, who serve as the primary engine for the growth of the national retail capital market. This study aims to determine and analyze the influence of financial technology, financial literacy, and ease of use on investment decisions among millennials in Banjarmasin City for the 2024-2025 period. The research method applied is quantitative, utilizing questionnaires distributed to millennial respondents in Banjarmasin City. The data were then analyzed using multiple linear regression with the aid of SPSS software. The results demonstrate that each independent variable—whether considered simultaneously or individually—makes a significant positive contribution to the investment decisions of the millennial generation in Banjarmasin City. These findings underscore that the integration of reliable digital financial platforms, mature financial understanding, and user-friendly application interfaces represent the core pillars in enhancing the quality of investment decision-making among the younger generation in urban areas.

Keywords: Financial Technology, Financial Literacy, Ease of Use, Investment Decisions, Millennials.