Determinants of Intention to Use Fintech Investment Platforms Among Young Investors

Financial technology services are one of the most important elements in today's digital world. A study shows that 75% of the younger generation, especially those aged 18-35 years, have started investing, with many of them utilizing digital platforms. These data show that Gen Z in Indonesia is increasingly actively participating in investing through digital platforms, both in the capital market and crypto assets. In this study, the author wants to focus on examining the readiness factor and adopting the investment management platform from FinTech services among Gen Z in West Java. This research aims to examine the factors that influence the intention and use of financial technology, especially digital investment platforms, using the Technology Readiness Index (TRI) and Unified Theory of Acceptance and Use of Technology (UTAUT) models. Data were collected through an online survey using a questionnaire distributed via Google Forms, with a total of 300 respondents. Data analysis was conducted using SmartPLS v.3.2.9, with the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach to test the validity and reliability of the measurement model, as well as the relationship between constructs in the structural model. Based on the results of the hypothesis test, it can be concluded that most of the independent variables have a significant effect on Behavioral Intention (BI).