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Satria Efandi; Wiwik Indrayeni

Jurnal Riset Rumpun Ilmu Bahasa 2026 Pusat riset dan Inovasi Nasional

Workplace microaggressions represent subtle and ambiguous forms of interpersonal mistreatment that are frequently normalized in organizational interactions, yet may generate significant psychological consequences for employees. While research in industrial and organizational psychology has extensively examined related constructs such as workplace incivility and ostracism, the linguistic mechanisms through which microaggressions operate remain underexplored. This study aims to systematically review Indonesian-language journal articles published between 2015 and 2025 that address workplace microaggressions and related phenomena, by conceptualizing microaggressions as speech acts. Using a systematic literature review approach guided by the PRISMA 2020 framework, relevant peer-reviewed articles were identified, screened, and analyzed through thematic synthesis. The review focuses on three main aspects: linguistic forms of microaggressions, contexts in which they emerge, and their psychological consequences in formal organizational settings, including companies and educational institutions. The findings indicate that workplace microaggressions are predominantly realized through indirect and ambiguous communicative practices, such as dismissive remarks, stereotypical humor, and interactional exclusion, often occurring within hierarchical relationships and formal work situations. These communicative acts are consistently associated with negative psychological outcomes, including stress, emotional exhaustion, reduced wellbeing, and withdrawal-related work attitudes. By integrating industrial-organizational psychology with linguistic-pragmatic perspectives, this review highlights language as a central mechanism through which microaggressions produce psychological harm at work. The study contributes a conceptual synthesis that underscores the importance of addressing everyday communicative practices in organizational interventions aimed at fostering psychological safety and employee wellbeing.

Ramilah Suta; Dwi Aristawidya R.; Khairiah Rawita; Adissah Putri Herdianti; Cristin Cristin +1 more

Jurnal Ilmu Kesehatan Umum, Psikolog, Keperawatan dan Kebidanan 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

Emotional intelligence (EQ) and spirituality (SQ) are two important aspects in shaping an individual's psychological balance. The study conducted a systematic review of 20 scientific articles to explore the relationship between the two in various contexts, such as education, organization, and health. The results of the study show that EQ and SQ are not only significantly interconnected, but also play a joint role in improving emotional regulation, resilience, and meaning of life. These findings confirm the importance of a holistic approach to self-development that integrates emotional and spiritual dimensions to achieve wholesome well-being. Further, empirical evidence indicates that individuals with high EQ and SQ tend to have better interpersonal skills, stronger adaptability, as well as lower levels of stress. The integration of these two constructs is also relevant for the design of positive psychology-based interventions and character education, as it can strengthen self-awareness, empathy, and value orientation. Thus, simultaneously strengthening EQ and SQ has the potential to be an effective strategy in improving quality of life and mental health across settings.

Nabila Aulia Syifa; Vira Febriana; Sri Mulyeni

RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan 2026 Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

Mental health among Generation Z university students has become an increasingly important issue amid rising academic demands and the rapid development of digital life. Students today face various academic pressures, including competition for achievement, heavy coursework, and performance targets, which may negatively affect their psychological well-being. In addition, advances in digital technology have reshaped students’ daily lives, particularly through intensified information exposure and social comparison. This study aims to examine the influence of academic competition and digital dynamics on the mental health of Generation Z students using a literature review approach. The research employs a descriptive qualitative literature review method by analyzing 20 relevant scholarly articles published in national and international journals between 2018 and 2024. The findings indicate that academic competition is closely associated with increased levels of stress, anxiety, and emotional exhaustion among students. Prolonged academic pressure without adequate psychological support may lead to a decline in students’ psychological well-being. Furthermore, digital life reinforces psychological pressure through mechanisms of social comparison and self-presentation demands. However, several studies also identify protective factors, such as social support, mental health literacy, and emotional regulation skills, which help students manage academic and digital pressures more adaptively. Therefore, the mental health of Generation Z students is shaped by a complex interaction between academic competition and digital life, highlighting the need for comprehensive efforts from both individuals and educational institutions to promote students’ psychological well-being.

Nurtisari Nurtisari; Ni Made Witari Dewi; I Wayan Adnyana

Doktrin: Jurnal Dunia Ilmu Hukum dan Politik 2026 International Forum of Researchers and Lecturers

This research is motivated by the rise of online sales fraud cases on the island of Bali that are detrimental to consumers, the purpose of this research is to analyze it from the aspect of juridical studies and the basis of judges' decisions in deciding cases, this research uses a normative method with a library approach, the results of the study show that online fraud crimes utilize digital technology to manipulate data, here the defendant uses fake transfer evidence as a tool to deceive the store that meets the elements in Article 378 of the Criminal Code, namely the intention to benefit oneself unlawfully, and Article 35 of the ITE Law concerning manipulation of electronic information with the aim of making the data considered authentic, the basis for the judge's consideration to pass a verdict because the existence of photos of transfer evidence and the victim's account balance is sufficient to convince the judge that the defendant is guilty. Legal protection for victims of online fraud has been regulated in the Consumer Protection Law, the ITE Law and government regulations related to electronic transactions, but to strengthen preventive and systemic efforts, public education and increased capacity of law enforcement officers are needed, With the latest regulations such as Law No. 1 of 2024 concerning the second amendment to the ITE Law, Presidential Decree No. Law No. 49 of 2024 concerning the National Strategy for Consumer Protection and Minister of Trade Regulation No. 17 of 2024 concerning the National Action Plan for Consumer Protection have implications for strengthening legal protection for victims of online fraud, which is expected to provide a sense of security in digital transactions.

Mohamad Ihsan Ramdani

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

This article analyzes the application of the hierarchy of norms in the decisions of the Constitutional Court concerning Law Number 17 of 2023 on Health using the perspective of Hans Kelsen’s Stufenbau theory. The enactment of the Health Law has generated significant legal debate and several constitutional review petitions submitted to the Constitutional Court, raising questions about the consistency between statutory norms and constitutional principles. This study aims to examine how the Constitutional Court applies the principle of hierarchical norms in reviewing the constitutionality of the Health Law and to assess the relevance of Stufenbau theory in explaining the interpretation of legal norms in constitutional adjudication. This research employs a normative juridical method using statute, conceptual, and case approaches. Primary legal materials consist of the 1945 Constitution, Law Number 17 of 2023 on Health, and relevant Constitutional Court decisions, supported by secondary legal materials from academic literature and legal studies. The findings show that the Constitutional Court consistently positions the 1945 Constitution as the highest norm within the Indonesian legal system and uses the hierarchy of norms as the basis for evaluating the validity of statutory provisions. The Court maintains the legal force of the Health Law when no normative conflict with the Constitution is identified, while in certain cases it provides constitutional interpretation to ensure the compatibility of statutory norms with constitutional principles. This study demonstrates that Stufenbau theory remains relevant as an analytical framework for understanding the hierarchical structure of legal norms and the operation of constitutional review within the Indonesian legal system.

Hesti Rosdiana; Reja Reja; Bintang Hafizh Setiawan

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

This paper reviews the dynamics of cybersecurity in Indonesia, focusing on the role of the Indonesian National Cyber and Crypto Agency (BSSN) in Indonesia’s cybersecurity architecture. The conceptual framework used is cyber security to analyze cybersecurity phenomena in Indonesia and multi-level cybersecurity governance as a tool for analyzing the role of BSSN in the field of cybersecurity. A descriptive qualitative approach is the main methodological approach in this study. With this approach, this study attempts to describe the role of BSSN in Indonesia’s cybersecurity architecture. Data collection was carried out through a literature study obtained from BSSN’s main documents, official reports, and related journal articles. The findings show that BSSN has a strategic role in Indonesian cybersecurity. This strategic role is demonstrated by BSSN’s various achievement in cybersecurity, such as the drafting of a national cybersecurity bill, the development of human resources capacity in the cyber field and the establishment of cooperation with various parties, both domestically and internationally.

Muhammad Randy Pratama Lubis; Mutia Permata Putri; Insan Tajali Nur

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

For the general public, Indonesia’s five-year electoral cycle is often perceived merely as a procedural voting event, overlooking the substance and quality of how voters select presidential or regional leaders. Following the 2024 General Election, the challenges of democracy have shifted from technical management to the prevention of polarization, money politics, digital disinformation, identity politics, and echo chambers. This article analyzes the urgency of implementing sustainable voter education during the inter-election period, using the General Election Commission (KPU) of Balikpapan City as a case study. The study focuses on KPU Balikpapan’s strategies to transform pragmatic voters, who are susceptible to manipulation, into informed participants, while also addressing the vulnerabilities of first-time voters ahead of the 2029 Election to increase participation rates. The analysis indicates that political education during the non-election period is a critical moment to build the cognitive foundation of voters without compromising their independent choice, making the role of KPU Balikpapan essential in maintaining democratic integrity in the city.

Lia Rahmawani Dalimunthe; Indra Afrita; Robert Libra

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

In article 157A of Law Number 6 of 2023 that in the process of termination of employment, employers and permanent workers must carry out their respective obligations, employers can carry out suspension actions and still pay wages and other rights, but in reality employers rarely apply article 157A. The purpose of the research is to analyze the Implementation, Obstacles and Efforts on Workers' Rights in Wage Payment During the Termination of Employment Process at Palm Oil Company in Siak Regency. This type of research is Sociological legal research. In this research, three approaches are used, namely the legislative approach and the data source case approach using primary data and secondary data. The data collection technique used is primary data through interviews and questionnaires. The conclusion of this study is the legal protection of workers' rights during the termination of employment by the company through the settlement of industrial relations disputes in which there are various interpretations regarding the wage process. Article 157A of Law Number 6 of 2023 states that the responsibility of employers and workers remains valid until the industrial relations dispute settlement agency makes a decision. The implementation in the process of termination of employment is that workers are no longer allowed to work by the company but do not carry out suspension actions, but there are many companies that do not carry out things regulated by law. With the existence of multi-interpretation regulations on wages, the process provides uncertainty for workers, as well as in the interim decision submitted by the worker/plaintiff which is rejected by the judge which is clear that the worker can prove that the employer does not carry out his obligations as it should.

Frendy Rumambi; Didik Dwi Prasetya; Triyanna Widiyaningtyas; Abdul Karim

Systematic Literature Review Journal 2026 International Forum of Researchers and Lecturers

The application of Large Language Models (LLM) in public services encourages government agencies to adopt Retrieval Augmented Generation (RAG)-based chatbots as interfaces for regulatory knowledge and official documents. Although RAG is designed to increase the supportability of answers to authoritative sources, various studies show that this system is still vulnerable to hallucinations, which have the potential to reduce public trust and pose legal risks. This article presents a Systematic Literature Review (SLR) on the use of RAG in government chatbots with a focus on the definition, mitigation strategies, and evaluation of groundedness. The literature search was conducted in the period 2021–2025 through the SpringerLink, Scopus, and Taylor & Francis databases, resulting in 7,947 articles filtered using the PRISMA framework to obtain 100 articles Q1–Q2. Based on eight research questions, this study maps publication trends, document domains, RAG architecture, retrieval strategies, definitions of groundedness, and evaluation metrics used. The SLR results indicate conceptual fragmentation in the definition and measurement of groundedness, with the dominance of text-similarity-based metrics that are inadequate for regulatory contexts. As a conceptual contribution, this article formulates the Semantic Alignment Score (SAS) as a groundedness metric based on semantic alignment, evidence coverage, and entailment relationships, positioned to support the evaluation and auditing of government document chatbots.

Puguh Toko Arisanto

Jurnal Hukum, Pendidikan dan Sosial Humaniora 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The Baduy tribe is an indigenous community in Banten Province divided into two main groups, namely Inner Baduy and Outer Baduy, with varying levels of adherence to customary law and exposure to modernization. This article examines various government policies that affect the survival and identity of the Baduy tribe. These policies include the recognition of customary rights through Lebak Regency Regulation No. 32 of 2001, the designation of Kanekes Village as customary land, and the designation of the Baduy area as a tourist destination. Although these policies aim to protect the rights and preserve the culture of the Baduy, their implementation has created a dilemma. On the one hand, tourism opens up new economic opportunities and raises cultural awareness. On the other hand, the influx of tourists triggers significant social, cultural, economic, and environmental changes, especially among the Outer Baduy, including the adoption of modern technology, shifts in consumption patterns, and increased environmental pollution. Thus, preservation policies have ironically become drivers of change that undermine the Baduy community's original identity.

Arief Fahmi Lubis; Seyed Nawab Mousavi

Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study examines the social realities of Iranian society, often misrepresented in international media that focus on politics, conflict, or conservatism. Using a sociological and humanistic perspective, it highlights everyday practices of courtesy, social norms, and traditions. The taarof ritual a unique form of politeness is discussed as a vivid example of how Iranians foster social harmony, respect guests, and demonstrate solidarity. The article also considers the impact of formal and customary law on social behavior, alongside the interplay between tradition and modernity in urban and rural contexts. Field observations and literature review suggest that Iranian society maintains high levels of courtesy and social cohesion, challenging common stereotypes. This research aims to enrich cross-cultural understanding and provide a more nuanced view of social life in Iran.

Aditama Candra Kusuma

Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The rapid growth of Indonesia’s banking industry has encouraged various corporate actions, such as mergers, to enhance efficiency and competitiveness. However, post-merger system integration often creates issues for customers, particularly the increase in credit collectability caused by data migration errors. This study aims to analyze the legal protection and liability of banks toward customers adversely affected by the merger process. The research employs a normative juridical approach through legislation review and case study analysis. The findings indicate that customer legal protection operates both preventively and repressively. Preventive protection is regulated under the Financial Services Authority Regulation (POJK) No. 6/POJK.07/2022, emphasizing transparency, education, and data security principles. Meanwhile, repressive protection is carried out through internal bank complaint mechanisms, the Financial Services Alternative Dispute Resolution Institution (LAPS SJK), and civil lawsuits under Articles 1365 and 1243 of the Indonesian Civil Code. The study concludes that banks are legally responsible for restoring customers’ rights by correcting SLIK data, issuing clarification letters, and providing material and immaterial compensation. Upholding prudential principles and consumer protection is essential to maintaining public trust in the post-merger banking system.

Chyntia Farah Agustine; Azmil Hanafia Risqi; Ikhwan Edi Nasution; Nur Aisyah Fitri; Masyitah Noviyanti

Publikasi Para ahli Bahasa dan Sastra Inggris 2026 Asosiasi Periset Bahasa Sastra Indonesia

Working memory (WM) has been extensively studied as a cognitive factor influencing second language acquisition (SLA), but many studies treat it as a static, trait-like capacity. This approach provides limited insight into how WM works across different stages of development, proficiency levels, and learning contexts. This article combines theoretical and empirical research on working memory in SLA from a dynamic and developmental perspective, analyzing how the influence of WM varies over time and interacts with other cognitive and contextual factors. Referencing Baddeley's multicomponent model, complex dynamic systems theory, and longitudinal research, this article examines evidence regarding the role of WM in various language domains, including vocabulary learning, grammar processing, and language production. It also investigates how WM works differently at various proficiency levels and developmental periods, from childhood to adulthood. Evidence suggests that WM plays a very strong role in the early stages of learning when processing is effortful and controlled, but becomes less central as linguistic knowledge becomes automated. The relationship between WM and SLA appears to be bidirectional, with sustained language learning contributing to the development of specific WM components, particularly executive control. The influence of WM varies significantly based on task characteristics, teaching context, and learner profiles. Understanding WM as a dynamic resource rather than a fixed constraint has important pedagogical implications. Instructions that manage cognitive load, provide support, and encourage metacognitive awareness can help learners with diverse cognitive profiles. A developmental approach in WM research requires longitudinal designs and task-aligned methodologies to capture changes over time, thereby advancing theory and practice in SLA.

Huban Kabir; Ari Ajibekti Masriwilaga; Refiana Ogam Panjabar Alamsyah; Nana Suryana

Jupiter: Publikasi Ilmu Keteknikan Industri, Teknik Elektro dan Informatika 2026 Asosiasi Riset Ilmu Teknik Indonesia

Water is an essential need for all living things on Earth to support various vital biological processes. Without water, life cannot exist because of its role as a solvent, nutrient transport medium, and temperature regulator. Water in nature does come from various sources such as rivers, lakes, rain, and groundwater, which are not all clear because they are contaminated with particles or other substances, in contrast to mountain springs which are often purer. In this study, a water filtration system was created aimed at making turbid water purify to be suitable for use by assessing the NTU (Nephelometric Turbidity Unit) of turbid water due to suspended particles such as mud or sediment, thus producing clear water suitable for use for household or irrigation purposes. The use of two Siemens S7-1200 PLCs as controllers in the water filtration system is a reliable redundant approach to automate mechanisms such as pump, valve, and NTU sensor settings. PLC 1 is used for the filtration system and PLC 2 is used for the water distribution system. The water distribution process uses a DC pump that runs when it receives input from the water level sensor in the raw water tank and clean water tank. The water filtration process has three main stages: reading the water turbidity level using a turbidity sensor, regulating the water flow rate using a solenoid valve, and filtering the water using filter media. The system's operation can be monitored and controlled through a SCADA system. Both PLCs are connected using an OPC server for communication between the PLC and SCADA. The OPC server sends data from the PLC to the Wonderware InTouch application as the SCADA system. To monitor and control the SCADA system, users must log in to access the system.

Gerry Mandala; Riska Okty Shakilla; Adi Shambono

International Journal of Islamic Educational Research 2026 Asosiasi Riset Ilmu Pendidkan Agama dan Filsafat Indonesia

Character-based Islamic education plays a crucial role in shaping environmental awareness and behavior in schools. This study aims to analyze the role of character-based Islamic education in shaping environmental behavior and supporting the realization of Green Schools. The research approach uses a literature review method with content analysis techniques. An analysis of 17 scientific literature, consisting of books and articles from national and international journals published between 2022 and 2025, focused on the integration of Islamic values into Islamic Religious Education (ISE), the process of character internalization, and ecological practices in the school environment. The results indicate that the values of trustworthiness, responsibility, simplicity, and the concept of khalifah fil The environment is the main foundation for fostering students' ecological awareness. The integration of religious beliefs, morals, and Islamic jurisprudence with environmental issues can transform religious values into concrete actions through habituation and exemplary behavior by educators. Changes in student behavior are reflected in habits of maintaining cleanliness, managing waste, and sustainably caring for the school environment. Character-based Islamic education also contributes to building an environmentally friendly school culture and strengthening synergy between schools and the community. This study confirms that character-based Islamic education is relevant as a moral and spiritual approach to addressing the challenges of the environmental crisis. The Green School model based on Islamic values has the potential to become a strategic alternative in developing sustainable education.

Zulfa Zakiatul Hidayah; Erin Soleha

Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Millennials aged 25 to 40 are currently the largest consumer group. Their dynamic lifestyles and social demands make them highly consumptive. The ease of obtaining credit, such as loans and credit cards, through advances in financial technology (FinTech) has further accelerated this trend. Unfortunately, exposure to social media that portrays a consumptive lifestyle encourages many of them to follow trends and buy non-essential items. The lack of financial literacy among young Indonesians often makes them unaware of the consequences of debt, which ultimately erodes the financial independence that is so badly needed in this era. This study aims to prove the relationship between Financial Technology, Lifestyle, and Self-Control that influence Debt Behavior. In addition, it is seen that men and women have different levels of self-control, and this is input for researchers to add gender as a moderating variable in their research. The research method used is a mixed method, more precisely a Sequential Explanatory Design, in which quantitative data is collected and analyzed, then combined with qualitative data to explain or enhance quantitative findings. Primary data was collected through questionnaires and interviews with experts, while secondary data was collected from articles and other reference data. The population used was the community in the city of Jakarta. The sample was collected using accidental sampling techniques, and the statistical test tool used Structural Equation Modeling (SEM) with SmartPLS software.

Irma Suryani Lubis; Muslim Marpaung

International Journal of Management 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study examines the integration of maqasid al-shariah and digital governance in halal value chains using a Systematic Literature Review (SLR) guided by the PRISMA 2020 framework. Articles indexed in Scopus from 2020–2025 were analyzed to identify theoretical patterns and research gaps. The findings indicate that existing studies remain fragmented, with maqasid primarily treated as a normative concept and digital governance addressed mainly from technological or compliance perspectives. This research proposes an integrative conceptual model linking maqasid al-shariah, digital governance, stakeholder engagement, institutional legitimacy, strategic resources, and sustainability outcomes. The synthesis demonstrates that maqasid can function as a strategic governance framework, while digital governance operationalizes Islamic values through transparent and measurable practices. The study contributes theoretically by repositioning maqasid as a strategic management lens and practically by offering guidance for value-based digital transformation in the halal ecosystem. Overall, maqasid-based digital governance emerges as a new paradigm for building ethical, resilient, and sustainable halal value chains.

Reni Marlina

International Journal of Economics, Commerce, and Management 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study uses a bibliometric analysis based on Scopus data to map the literature on capital structure development for the period 2018–2023. Using articles from Q1 and Q2 indexed journals selected using the PRISMA 2020 guidelines, this study examines publication trends, dominant keywords, and theme evolution using VOSviewer. The results show a shift in focus from classical theories (such as trade-off and pecking order) to contemporary issues such as ESG, green finance, and digitalization. In addition, the majority of studies are still dominated by developed countries, while contributions from developing countries are still limited. These findings highlight the need for a contextual approach and updating of theoretical models in capital structure research, as well as providing an initial foundation for empirical studies in the technology sector of developing countries.

Rio Adika Putra; Muslimin Muslimin

Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Financial literacy plays an important role in supporting the ability of Micro, Small, and Medium Enterprises to adapt to the development of digital payments in Indonesia. The increasing use of QRIS, e-wallets, mobile banking, and technology-based payment services requires MSME actors to understand the benefits, risks, and proper use of digital financial services. This study aims to examine the role of financial literacy in the use of digital payments among MSMEs in Indonesia, including supporting factors, obstacles, and implications for strengthening MSME digitalization. This research uses a descriptive qualitative approach with a systematic literature study method. The data were obtained from 13 scientific articles indexed in nationally accredited journals at least Sinta 4, published between 2021 and 2026, and supported by official documents from relevant authorities. The findings show that financial literacy plays a role in increasing the readiness, trust, and decisions of MSME actors to use digital payments. However, low financial literacy, perceived risk, limited infrastructure, and conventional transaction habits remain obstacles to digital payment adoption. The implications of this study indicate the need for inclusive digital financial education, continuous assistance, and collaboration among the government, regulators, financial institutions, and fintech providers in strengthening the digital transformation of MSMEs.

Adelia Puspita Sari; Trisnaningsih, Sri

Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study seeks to investigate the role of Fear of Missing Out (FOMO) and financial technology (fintech) in influencing Generation Z's investment decisions through a literature review approach. The rapid advancement of digital technology and the growing use of social media have transformed the financial behavior of young people, such that investment decisions are no longer solely based on rationality but are also shaped by psychological factors. The method used in this study is a literature review, which involves analyzing scientific articles indexed at both national and international levels published between 2021 and 2025. The findings indicate that FOMO can enhance investment participation, yet it also risks prompting impulsive and less rational decision-making. On the other hand, fintech contributes by simplifying access to financial services, improving transaction efficiency, and expanding financial inclusion. Nevertheless, real-time features on fintech platforms may amplify users' emotional responses, thereby magnifying the impact of FOMO. Accordingly, this research underscores the importance of financial literacy and prudent technology use to foster more rational investment decisions among Generation Z.