ARTIFICIAL INTELLIGENCE AS A GAME-CHANGER IN INVESTMENT DECISIONS: A FINANCIAL LITERACY PERSPECTIVE
DOI:
https://doi.org/10.35794/jmbi.v12i3.64363Abstrak
Artificial Intelligence (AI) memiliki pengaruh besar dalam kehidupan manusia saat ini, penerapan AI pada aspek finansial secara tidak langsung mempengaruhi investor dalam pengambilan keputusan mereka. Berdasarkan fenomena tersebut, penelitian ini ditujukan untuk menganalisa apakah AI dapat membantu keputusan investasi seseorang berdasarkan tingkat pemahaman literasi keuangan individu. Dari penelitian ini juga, kita dapat mengetahui bagaimana investor dapat mengadopsi teknologi dengan baik, terutama AI yang dapat diaplikasikan pada bidang keuangan. Penelitian ini ditujukan untuk masyarakat Gen Z di Indonesia yang sudah melakukan investasi. Dari 300 responden, didapatkan 241 responden. Metode penelitian ini menggunakan analisis deskriptif, hipotesis diuji menggunakan Structural Equation Model (SEM) dengan pendekatan Partial Least Square (PLS) yang dibantu menggunakan SmartPLS. Hasil penelitian ini menunjukkan bahwa Financial Literacy berpengaruh terhadap Investment Decision, tetapi AI tidak memoderasi pengaruh model penelitian.
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