Technology Optimization in Generation Z Digital Investment in the Society 5.0 Era

Abstract

This study aims to analyze the role of technology optimization in driving digital investment development among Generation Z in the Society 5.0 era. Through a qualitative research method based on literature studies, data was obtained from various scientific sources published in the last five years that are relevant to the themes of technology, digital investment, and youth behavior. The results of the study show that advances in financial technology, such as fintech and online investment platforms, provide great opportunities for Generation Z to actively participate in the digital economy. However, low digital financial literacy remains a major challenge that has the potential to hamper the sustainability of investment. Technology optimization must be balanced with an increased understanding of digital ethics, adaptive regulations, and collaboration between the government, financial institutions, and the education sector. This research emphasizes that the success of Society 5.0 implementation lies in the balance between technological innovation and sustainable human values.