FinTech Trading Apps and Financial Decision-Making of College Students

Abstract

This study examines the impact of FinTech trading applications on the financial decision-making behaviour of college students. With the increasing adoption of digital financial platforms, trading apps have significantly influenced how young investors participate in financial markets. The study adopts a quantitative research approach and is based on primary data collected from 191 respondents using a structured questionnaire.

Statistical analysis was conducted using IBM SPSS, including descriptive statistics, reliability analysis, correlation, and multiple regression. The findings reveal that although trading apps enhance accessibility and participation in financial markets, the relationship between motivational and behavioural factors and financial decision-making is not statistically significant. The regression results indicate low explanatory power, suggesting that traditional behavioural constructs may not fully explain student investment behaviour.

The study highlights the complexity of financial decision-making among college students and emphasizes the need for improved measurement frameworks and financial literacy interventions. The findings contribute to behavioural finance literature and provide insights for FinTech companies and policymakers to design better user-centric financial platforms