DIGITAL INVESTMENT ADOPTION AMONG YOUNG MALAYSIAN INVESTORS: THE IMPACT OF INCOME AND INFORMATION ACCESSIBILITY

Nurul Afiqah Abd Rahman, Ronizam Ismail, Roslinawati Ibrahim, Noor Fariza Mohd Hasini, Nurul Aini Md Rais

Abstract


 

This paper investigates the impact of income and information accessibility on the adoption of digital investment platforms among young Malaysian investors. The growth of financial technology (FinTech) has opened access to investment opportunities through user-friendly digital platforms, transforming the financial behavior of Generations Y and Z. A quantitative study involving 100 respondents was conducted to explore how financial capacity and digital information access influence investment decisions. Results reveal that both income and information accessibility significantly influence digital investment adoption, with information accessibility emerging as the dominant predictor. The study highlights the need for financial literacy initiatives and trustworthy digital platforms to support inclusive investment participation in Malaysia.

 

Keywords: Digital Investment, FinTech, Financial Literacy, Income, Information Accessibility


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