Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)

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Determination of Financial Technology Proficiency, Risk Perception and Behavioral Finance: Investment Decisions

Authors
Sri Lestari Yuli Prastyatini1, *, Enggar Kartika Cahyaning1, Helena Xaveriana Putri Laka1
1Department of Accounting, Faculty of Economic University Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
*Corresponding author. Email: srilestari_yp@ustjogja.ac.id
Corresponding Author
Sri Lestari Yuli Prastyatini
Available Online 28 February 2025.
DOI
10.2991/978-2-38476-366-5_13How to use a DOI?
Keywords
Financial technology proficiency; Risk perception; Behavioral finance; Investment decisions
Abstract

An investment decision is a policy taken to allocate funds with the aim of gaining profits in the future. However, among young people who already have high incomes, investing is something they sometimes cannot afford to do. This quantitative study aims to determine the influence of financial technology proficiency, risk perception, and behavioral finance on investment decisions. This research involved 67 entrepreneurs who are members of the Indonesian Young Entrepreneurs Association (HIPMI), who were positioned as research subjects. Research data was collected by distributing questionnaires to respondents and analyzed using descriptive statistics with the help of IBM SPSS version 25. The findings of this research are that financial technology proficiency and behavioral finance have a positive effect on investment decisions. Furthermore, risk perception has a negative effect on investment decisions. Following up on the findings of this research, young entrepreneurs are expected to have a better of risk perception regarding investment. Apart from that, the use of technology and financial behavior must be maintained so that we are able to make the right decisions about investing. Adding behavioral finance variables and making members of the Indonesian Young Entrepreneurs Association (HIPMI) as a population is different from previous research.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
28 February 2025
ISBN
978-2-38476-366-5
ISSN
2352-5398
DOI
10.2991/978-2-38476-366-5_13How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Sri Lestari Yuli Prastyatini
AU  - Enggar Kartika Cahyaning
AU  - Helena Xaveriana Putri Laka
PY  - 2025
DA  - 2025/02/28
TI  - Determination of Financial Technology Proficiency, Risk Perception and Behavioral Finance: Investment Decisions
BT  - Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)
PB  - Atlantis Press
SP  - 134
EP  - 143
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-366-5_13
DO  - 10.2991/978-2-38476-366-5_13
ID  - Prastyatini2025
ER  -