The Effect of Financial Literacy, Fintech Exposure, Accounting Information, and Investor Psychology on Investment Decisions

Herijawati, Etty and Wi, Peng (2025) The Effect of Financial Literacy, Fintech Exposure, Accounting Information, and Investor Psychology on Investment Decisions. Jurnal Ilmiah Akuntansi Kesatuan, 13 (6). pp. 1749-1762. ISSN 2721 – 3048

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Official URL: https://jurnal.ibik.ac.id/index.php/jiakes/article...

Abstract

Rapid advancements in digital financial services have transformed how individuals access, process, and respond to investment information, yet the combined effects of financial literacy, fintech exposure, accounting information, and investor psychology on investment behavior remain insufficiently explained. This study aims to examine how these factors shape investment decisions, with investment interest functioning as a mediating variable. Using a quantitative cross-sectional approach, data were obtained from 300 active investors through structured questionnaires and analyzed using Structural Equation Modeling with Partial Least Squares. The results show that all four determinants significantly and positively influence investment decisions both directly and indirectly through investment interest, with fintech exposure emerging as the strongest predictor. The proposed model accounts for 72% of the variance in investment interest and 78% of the variance in investment decision quality. These findings underscore the importance of integrating financial education, psychological preparedness, and digital literacy within fintech ecosystems to strengthen investor engagement and enhance decision-making quality

Item Type:	Article
Uncontrolled Keywords:	Accounting Information, Fintech Exposure, Financial Literacy, Investment Decisions, Investor Psychology
Subjects:	600 Teknologi dan Ilmu Terapan (Bisnis) > 657 Akuntansi > 657.05 Majalah & Jurnal Akuntansi
Divisions:	Fakultas Bisnis > Akuntansi (S1)
Depositing User:	Muhamad Kemal Prasetyo
Date Deposited:	11 May 2026 10:39
Last Modified:	11 May 2026 10:39
URI:	https://repositori.buddhidharma.ac.id//id/eprint/3196

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