The Influence of Financial Literacy and Heuristic Behavior on Generation Z’s Investing Decisions During a Global Pandemic

This study seeks to determine how Financial Literacy and Heuristic Behaviour influence Generation Z’s Investing Choices during the pandemic. The research sample consisted of 330 Z respondents in JABODETABEK region between ages 18 24. employs survey methodology data collection form a Google questionnaire. Using WarpPLS version 7.0 software, were manipulated. findings this indicate that has significant positive effect on investment decisions. decisions through perception risk. greatest decision risk compared other variables. is projected be courageous willing make financial decisions, despite being cautious about avoiding risks. It hoped future studies will evaluate what investments based generational, technological, product disparities.