The study focuses on the influence of digital investment platforms, mobile trading applications, robo-advisory tools, openbanking mechanisms and digital financial literacy on the decision-making process of retail investors. It is argued that fintech technologiesexpand access to capital markets, reduce transaction costs and strengthen investor autonomy. At the same time, the digitalizationof investment services may intensify behavioural risks, including impulsive trading, herd behaviour, overconfidence and excessive relianceon online information. The thesis also considers the relevance of fintech-driven investment behaviour for Uzbekistan, where theformation of a modern digital financial infrastructure creates new opportunities for increasing investment activity and developing thecapital market. The results indicate that the positive impact of fintech depends on the simultaneous development of investor protection,digital financial education and transparent regulation of investment platforms.
| Mualliflar | Karimova , Nurjakhon |
|---|---|
| Jurnal | Муҳандислик ва Иқтисодиёт |
| Nashr sanasi | 2026-03-30 |
| Jild | 4 |
| Son | 3 |
| Betlar | 251-254 |
| Til | Ingliz |
fintech, investment behaviour, retail investors, digital investment platforms, robo-advisory, open banking, digital financial literacy, behavioural finance, capital market, Uzbekistan.
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