Pengaruh Finansial Teknologi, Perilaku Herding, Toleransi Risiko Terhadap Keputusan Investasi Generasi Z Di Kota Palu

This study aims to analyze the influence of financial technology, herding behavior, and risk tolerance on the investment decisions of Generation Z in Palu City. This study uses a quantitative approach by distributing questionnaires to 75 respondents who are active Generation Z investors. Data analysis was conducted using multiple linear regression. The results show that financial technology has a positive and significant effect on investment decisions, meaning that the higher the use of digital financial technology, the greater the tendency for Generation Z to make investment decisions efficiently and confidently. Meanwhile, herding behavior and risk tolerance do not have a significant effect on investment decisions, indicating that Generation Z in Palu City tends to make decisions based on rational and independent considerations. Simultaneously, all three variables influence investment decisions