MERANCANG GENERASI INVESTOR PEMULA: ANALISIS GENVEST SEBAGAI INOVASI EDUKASI INVESTASI DIGITAL DALAM MENINGKATKAN LITERASI DAN KESIAPAN BERINVESTASI GEN Z INDONESIA

Abstract

The rapid growth of financial technology has significantly increased Generation Z’s participation in digital investment in Indonesia. However, this growth is not accompanied by adequate financial literacy, creating a gap between access and understanding. This study aims to analyze the investment literacy gap among Gen Z, evaluate the effectiveness of existing educational approaches, and propose GENVEST (Gen Z Visual Education for Smart Investment) as an innovative solution. This research uses a qualitative-descriptive method with a library research approach, analyzing secondary data from official reports and recent academic studies (2021–2026). The findings indicate that Gen Z investors tend to exhibit impulsive behaviors such as fear of missing out (FOMO), overconfidence, and herding, largely influenced by social media and limited risk comprehension. In response, GENVEST is designed as a game-based learning platform integrating micro-learning, gamification, interactive visualization, and market simulation. This model enhances learning engagement, improves risk awareness, and supports rational investment decision-making. Therefore, GENVEST has strong potential as an adaptive and effective financial education model for improving Gen Z’s investment literacy in Indonesia.