The Influence of Self-Motivation and Financial Literacy on Students’ Interest in Investing, Mediated by Technological Development

This study explores how self-motivation and financial literacy affect students’ investment interest, with technological development as a mediating factor. Using a quantitative correlational method, data from 90 economics students in Banten, Indonesia, were analyzed through path analysis. Results show financial literacy directly increases investment interest, while self-motivation indirectly influences it through technological engagement. Technological development enhances investment participation by improving platform accessibility. The findings highlight the importance of integrating financial education with digital skills to foster early investment behaviour, offering practical insights for educators and policymakers in strengthening youth participation in financial markets.