Pengaruh Pengetahuan Investasi dan Preferensi Risiko Terhadap Keputusan Berinvestasi Melalui Platform Investasi Fintech

Authors

  • Bagas Yeremi Pramadya PPM School of Management
  • Fitri Safira Sekolah Tinggi Manajemen PPM

DOI:

https://doi.org/10.34149/jebmes.v6i1.166

Keywords:

Technology Acceptance Model (TAM), risk preferences, investment knowledge, Financial Technology

Abstract

Penelitian ini bertujuan menyelidiki hubungan antara pengetahuan investasi dan preferensi risiko terhadap keputusan berinvestasi melalui aplikasi FinTech menggunakan Model Technology Acceptance Model (TAM). Metode yang digunakan dalam penelitian ini adalah Covariance Based Structural Equation Model (CB-SEM) dengan melibatkan 178 responden.  Hasil dari riset ini menemukan bahwa pengetahuan investasi tidak mempengaruhi perceived usefulness dan perceived ease of use, sedangkan preferensi risiko memiliki pengaruh signifikan terhadap kedua faktor tersebut. Hasil penelitian menunjukkan bahwa perceived usefulness tidak mempengaruhi sikap atau keputusan untuk berinvestasi, tetapi perceived ease of use berdampak signifikan pada keputusan investasi melalui platform Fintech. Penelitian ini menyarankan bahwa perusahaan Fintech harus mempertimbangkan preferensi risiko pengguna dalam mengembangkan platform mereka, seperti menyediakan rekomendasi investasi yang sesuai dan menggunakan kecerdasan buatan untuk memprediksi risiko. Temuan ini juga relevan bagi regulator dan lembaga perlindungan konsumen untuk mengawasi potensi fraud, terutama bagi individu dengan pengetahuan investasi tinggi tetapi tidak cakap dalam menggunakan teknologi Fintech

Published

2026-04-30

Issue

Vol. 6 No. 1 (2026): Journal of Emerging Business Management and Entrepreneurship Studies

Section

Articles

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Copyright (c) 2026 Journal of Emerging Business Management and Entrepreneurship Studies

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Journal of Emerging Business and Entrepreneurship Studies (JEBMES) is licensed under a Attribution 4.0 International (CC BY 4.0)

How to Cite

Pengaruh Pengetahuan Investasi dan Preferensi Risiko Terhadap Keputusan Berinvestasi Melalui Platform Investasi Fintech. (2026). Journal of Emerging Business Management and Entrepreneurship Studies, 6(1). https://doi.org/10.34149/jebmes.v6i1.166