Perilaku Investasi Cryptocurrency Mahasiswa Generasi Z dalam Ekonomi Digital: Scoping Review dan Implikasinya terhadap Literasi Ekonomi Digital
DOI:
https://doi.org/10.62710/5zd22047Keywords:
Generasi Z, ekonomi digital, cryptocurrency, perilaku investasi, scoping reviewAbstract
Perkembangan ekonomi digital telah mendorong munculnya berbagai bentuk inovasi keuangan, termasuk cryptocurrency, yang semakin dikenal oleh mahasiswa Generasi Z sebagai bagian dari praktik ekonomi digital. Kedekatan generasi ini dengan teknologi, media sosial, dan platform digital membuat keterlibatan mereka dalam investasi cryptocurrency menjadi isu yang penting untuk dikaji. Penelitian ini bertujuan untuk memetakan faktor-faktor yang memengaruhi perilaku investasi cryptocurrency pada mahasiswa Generasi Z melalui pendekatan scoping review. Penelusuran literatur dilakukan pada basis data Scopus dan menghasilkan 114 artikel yang relevan. Setelah melalui proses seleksi berdasarkan kriteria inklusi dan eksklusi, sebanyak 24 artikel dianalisis lebih lanjut. Hasil kajian menunjukkan bahwa perilaku investasi cryptocurrency pada mahasiswa dipengaruhi oleh empat kelompok faktor utama, yaitu faktor finansial, faktor teknologi, faktor sosial, dan faktor psikologis. Faktor finansial berkaitan dengan literasi keuangan, persepsi risiko, dan persepsi nilai; faktor teknologi berkaitan dengan kemudahan penggunaan, keamanan, dan penerimaan teknologi digital; faktor sosial berkaitan dengan pengaruh teman sebaya, media sosial, dan sumber pengetahuan; sedangkan faktor psikologis berkaitan dengan kepercayaan, sikap terhadap inovasi, dan orientasi terhadap otonomi finansial. Temuan ini menunjukkan bahwa investasi cryptocurrency pada mahasiswa tidak hanya didorong oleh pertimbangan ekonomi, tetapi juga dibentuk oleh konteks sosial dan teknologi dalam ekonomi digital. Penelitian ini menegaskan pentingnya pemahaman yang lebih kritis terhadap perilaku ekonomi digital mahasiswa Generasi Z.
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Copyright (c) 2026 Muhammad Fadila Rohendi, Fajar Nugraha Asyahidda, Mirna Nur Alia Abdullah (Author)
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