Financial Literacy, Fintech Adoption, and Youth Investment Behavior in the Digital Era

Abstract

This study aims to analyze the interrelationship between financial literacy, fintech adoption, and youth investment behavior in a global context. Using a narrative study approach, this research integrates empirical findings from various Google Scholar–indexed publications published over the past five years. The analysis reveals that strong financial literacy plays a crucial role in shaping rational, measured, and sustainable investment behavior amid the dynamics of the digital economy. Meanwhile, fintech adoption expands access to diverse digital financial instruments and promotes financial inclusion but also introduces new challenges such as privacy risks, data security issues, and digital inequality across social groups. Technology-based financial education emerges as a strategic factor in developing a generation of financially intelligent, digitally critical, and economically responsible youth. The study concludes that synergy between financial literacy, technological innovation, and public policy is essential to strengthen an inclusive, adaptive, and sustainable digital financial ecosystem that supports the development of a resilient and informed young investor community for the future.