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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM67805
Volume:
10 |
10 |
Oct 2026
Pages:
1-15
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Bachelor of Business Administration
Koneru Lakshmaiah Educational Foundation
Bachelor of Business Administration
Koneru Lakshmaiah Educational Foundation
The purpose of this study is to investigate the role of financial literacy and digital financial exposure on young investors' investment behaviour, while investment attitude is used as an intervening variable. The methodology adopted consisted of the use of a structured questionnaire, which was completed via Google Forms, and responses were collected from 13 youth respondents, rated on 4 5-item constructs on a 5-point Likert scale. The data were analysed with chi-square tests, one-way ANOVA, and linear regression. The results revealed that financial literacy (B = 0.93, p < .001) and a person's digital financial exposure (B = 0.89, p < .001) had a strong positive impact on investment attitude; investment attitude made a significant contribution to predicting investment behaviour (B = 0.68, p = .014). The variance of investment behaviour was jointly explained by financial literacy and digital financial exposure (F = 4.37, p = .043), but neither of these alone was statistically significant. There were no significant associations or group differences between the respondents' profile characteristics (investment experience) and the study constructs. Consequences: Financial literacy development and provision of trustworthy digital financial information can help foster a positive investment mindset among youth. The results are exploratory, as there is only a small sample; a larger sample to confirm.
KEYWORDS
This study aimed to explore the effect of financial literacy and digital financial exposure on investment behaviour of young investors framed by the intervening role of investment attitude. The improvement in financial literacy and digital financial exposure were also found to significantly improve the investment attitude, and a positive attitude significantly improved investment behaviour. Literacy and digital exposure accounted for a meaningful proportion of the investment behaviour variation. The findings suggest that improving financial literacy and disseminating reliable digital financial information can contribute to creating positive attitudes among the youth and, in turn, positive investment practices. These are only preliminary results and should be confirmed with a larger sample.
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Publication Date
10/10/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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The authors declare no conflict of interest related to this research work.
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