Keywords
Fintech
Generation Z
Investment
Millennials
How to Cite
Abstract
This study examines digital gold investment trends and their relationship with the investment interest and behavior of millennials and Generation Z in Indonesia. A structured integrative literature review was conducted on 48 selected sources, comprising 35 peer-reviewed articles published in 2020–2026, six foundational articles, six official or regulatory documents, and one theoretical book. Thematic synthesis identified six recurring themes: ease of use, usefulness and flexibility, gold characteristics, financial literacy, social-media influence, and platform security and legality. The evidence indicates that digital convenience expands access, while decision quality remains associated with knowledge, risk perception, information credibility, and legal verification. The study concludes that digital gold growth should be accompanied by transparent costs and risks, clear legal-status verification, and digital financial literacy emphasizing source evaluation.
References
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