Determinants of Interest in Investing Using the Bibit Application Among Generation Z

Abstract

The purpose of this study is to investigate the influencing factors of Generation Z's investment interest through the Bibit application, focusing on perceived usefulness, perceived ease of use, perceived risk perception, and trust. The problem lies in the low participation of Generation Z in investment activities despite having access to digital financial platforms. This research aims to analyze the partial and simultaneous effects of these variables on investment interest. The method used was quantitative, specifically causal associative. A total of 300 Bibit app users aged 17–27 years participated as respondents by completing a questionnaire. Data were analyzed using multiple linear regression. The results showed that perceived ease of use does not have a significant effect, while perceived usefulness, perceived risk, and trust significantly influence investment interest both partially and simultaneously. Among these, trust had the most substantial influence, indicating that users' belief in the security and credibility of the application is essential in shaping their investment decisions. The findings suggest that fintech companies should focus on increasing users’ trust and reducing perceived risk through transparent communication and user-friendly features. The study concludes that these four factors play a crucial role in enhancing the willingness of Generation Z to invest via digital platforms like Bibit.