The Effect of Financial Technology, Financial Efficacy and Social Media Influencers on Investment Interest through the Tring! by Pegadaian Application (Jurnal Akuntansi Keuangan Dan Perpajakan)

Summary

• Digital gold transactions in Indonesia rose 195.59% year-on-year, according to national data from the commodity futures regulator BAPPEBTI.p.1
• The study surveyed productive-age respondents (18–29 years old) in Padang City who knew the Tring! by Pegadaian app, giving 113 respondents.p.1
• Data were analysed with multiple linear regression using SPSS version 25.p.1
• The online questionnaire collected 175 responses before screening against the research criteria.p.4
• Most respondents were women (65%) with a bachelor's degree (65%).p.6
• 61% of respondents worked as private-sector employees.p.6

Key insights

1. Financial technology was found to have a significant negative effect on investment interest in the Tring! by Pegadaian app.p.1
2. Social media influencers had a positive and significant effect on investment interest through the app.p.8
3. Financial efficacy did not have a significant effect on investment interest, so that hypothesis was rejected.p.7
4. Taken together, the three independent variables significantly affect investment interest, which is not formed by a single factor.p.8
5. The study uses the Theory of Planned Behavior, with fintech shaping attitude, financial efficacy linked to perceived behavioral control and influencers representing subjective norms.p.2