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Reply from Ms. Sri Lestari Yuli Prastyatini
2024.11.05 14:25:35
The results of financial technology proficiency research on investment decisions are
in line with the Technology Acceptance Model (TAM) theory, namely the concept of
perceived usefulness. Perceived uselfulness in TAM explains that the benefits of
using information technology can improve the performance and work performance
of the people who use it. This means that the better someone uses the available
financial information technology, the better the investment decisions will be made.
The results of research on risk perception on investment decisions are supported by
one aspect of Theory of Planned Behavior, namely perceived behavioral control.
Perceived behavioral control is someone who understands the level of risk and
predicts things that will happen in the future for the actions taken. The higher the
understanding of the risk of investing that a person has, the more a person declines
to invest.
The results of behavioral finance research on investment decisions are in line with
Theory of Planned Behavior (TPB). Theory of Planned Behavior (TPB) assumes that
a person basically behaves consciously and considers all information implicitly or
explicitly in making an investment. The better one^s financial attitude or mentality,
the better one^s financial behavior in making investment decisions.
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