Teknologi keuangan, influencer media sosial, dan pengalaman keputusan investasi cryptocurrency: Peran literasi keuangan

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Diterbitkan: May 24, 2024
DOI: https://doi.org/10.28932/jmm.v23i2.8717
Kata Kunci:
cryptocurrency, financial literacy, financial technology, investment decisions, investment experience, social media influencers cryptocurrency, influencer media sosial, keputusan investasi, literasi keuangan, pengalaman investasi, teknologi keuangan

Isi Artikel Utama

Bonfilio Patrik Rijanto
Business Development, Shopee
Novia Utami
Program Studi Manajemen, Universitas Katolik Indonesia Atma Jaya

Abstrak

Penelitian ini bertujuan untuk mengevaluasi dampak penggunaan financial technology, influencer media sosial, dan pengalaman investasi terhadap keputusan berinvestasi dalam cryptocurrency, dengan mempertimbangkan literasi keuangan sebagai faktor pengmoderasi. Financial technology merujuk pada pemanfaatan teknologi dalam sistem keuangan untuk menciptakan produk layanan, teknologi, dan model bisnis baru. Influencer media sosial didefinisikan sebagai individu yang telah memperoleh ketenaran dan memiliki pengaruh signifikan terhadap kelompok pengikutnya di platform media sosial. Sedangkan, pengalaman investasi mencakup lamanya durasi pengalaman dalam melakukan transaksi trading oleh seorang investor. Data penelitian diperoleh melalui kuesioner berformat Google Form yang disebar melalui media sosial kepada investor cryptocurrency berusia 20 hingga 30 tahun di wilayah Jabodetabek. Teknik convenience sampling digunakan untuk memperoleh sampel sebanyak 192 orang responden. Analisis data menggunakan metode SEM-PLS dengan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa penggunaan financial technology dan influencer media sosial berdampak positif terhadap keputusan investasi cryptocurrency, sedangkan pengalaman investasi tidak memberikan dampak yang signifikan. Namun, literasi keuangan tidak memperkuat pengaruh penggunaan financial technology, influencer media sosial, dan pengalaman investasi terhadap keputusan investasi cryptocurrency. Temuan penelitian menunjukkan bahwa meningkatkan literasi keuangan di kalangan investor muda perlu menjadi prioritas. Hal ini dapat dilakukan melalui program pendidikan formal dan kampanye literasi keuangan. Praktisi di industri finansial juga perlu memberikan edukasi finansial kepada klien mereka dan menyediakan konten edukatif tentang cryptocurrency. Langkah-langkah ini dapat membantu mengurangi risiko investasi yang tidak terkendali dan meningkatkan keputusan investasi yang bijak, serta berkontribusi pada stabilitas pasar finansial dan perlindungan keuangan masyarakat luas.

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Cara Mengutip
Rijanto, B. P., & Utami, N. (2024). Teknologi keuangan, influencer media sosial, dan pengalaman keputusan investasi cryptocurrency: Peran literasi keuangan. Jurnal Manajemen Maranatha, 23(2), 201–216. https://doi.org/10.28932/jmm.v23i2.8717
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Vol 23 No 2 (2024): Jurnal Manajemen Maranatha
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Artikel ini berlisensi Creative Commons Attribution-NonCommercial 4.0 International License.

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