Paper Detail Page

Volume 1, Issue 3 - November 2025

To study Genz’s perception about investment in digital gold as a wealth growth option in Junagadh city

Paper ID: CRSIJ25000036

Author(s): Janvi Parekh, Dr. Jignesh Vidani

Category: Management

Research Area: Junagadh city

Pages: 182-199

Published Date: 08-12-2025

Volume/Issue: Volume 1 Issue 3 November -2025

ISSN (Online): 3108-1584

Abstract

The study, "To Study Gen Z’s Perception about Investment in Digital Gold as a Wealth Growth Option in Junagadh City," looks at how Gen Z investors view and use digital gold as a contemporary financial tool. As technology becomes more and more ingrained in investing practices, digital gold has become a viable, safe, and easily available substitute for conventional gold ownership. This study aims to examine the variables affecting Gen Z's beliefs, trust, and plans about digital gold investments, specifically in Junagadh's semi-urban setting. The study investigates how attitudes, subjective norms, perceived behavioral control, and peer influence impact Gen Z's investment preferences, drawing on the Theory of Planned Behavior (TPB) and Social Learning Theory (SLT). Research also looks into how cultural values, regulatory trust, and financial knowledge affect the uptake of digital gold. The results, which were derived from original data gathered from respondents in Junagadh City, show that Gen Z finds digital gold appealing because of its accessibility, affordability, and flexibility. Regulation, platform security, and trust issues, however, continue to be major obstacles. In order to promote broader adoption, the study emphasizes the significance of raising financial literacy, fostering institutional trust, and fortifying regulatory frameworks. By providing insightful information for policymakers, fintech companies, and financial educators looking to attract Gen Z investors in semi-urban India, this study adds to the expanding body of research on fintech uptake and generational investment behavior.

Keywords

Digital Gold, Generation Z, Investment Behavior, Financial Literacy

Citations

Janvi Parekh, Dr. Jignesh Vidani, " To study Genz’s perception about investment in digital gold as a wealth growth option in Junagadh city", Cosmo Research & Science International Journal, vol. Jul-25, no. 1, pp. 182-199, 2025.

Janvi Parekh, Dr. Jignesh Vidani (2025). To study Genz’s perception about investment in digital gold as a wealth growth option in Junagadh city. Cosmo Research & Science International Journal, Jul-25(1), 182-199.

Janvi Parekh, Dr. Jignesh Vidani. " To study Genz’s perception about investment in digital gold as a wealth growth option in Junagadh city." Cosmo Research & Science International Journal, vol. Jul-25, no. 1, 2025, pp. 182-199.

BibTeX
                @article{CRSIJ25000036,
                  author = {Janvi Parekh,  Dr. Jignesh Vidani},
                  title = { To study Genz’s perception about investment in digital gold as a wealth growth option in Junagadh city},
                  journal = {Cosmo Research and Science International Journal},
                  year = {2025},
                  volume = {1},
                  number = {3},
                  pages = {182-199},
                  issn = {3108-1584},
                  url = {https://cosmorsij.com/published/CRSIJ25000036.pdf},
                  abstract = {The study, "To Study Gen Z’s Perception about Investment in Digital Gold as a Wealth Growth Option in Junagadh City," looks at how Gen Z investors view and use digital gold as a contemporary financial tool. As technology becomes more and more ingrained in investing practices, digital gold has become a viable, safe, and easily available substitute for conventional gold ownership. This study aims to examine the variables affecting Gen Z's beliefs, trust, and plans about digital gold investments, specifically in Junagadh's semi-urban setting. The study investigates how attitudes, subjective norms, perceived behavioral control, and peer influence impact Gen Z's investment preferences, drawing on the Theory of Planned Behavior (TPB) and Social Learning Theory (SLT). Research also looks into how cultural values, regulatory trust, and financial knowledge affect the uptake of digital gold. The results, which were derived from original data gathered from respondents in Junagadh City, show that Gen Z finds digital gold appealing because of its accessibility, affordability, and flexibility. Regulation, platform security, and trust issues, however, continue to be major obstacles. In order to promote broader adoption, the study emphasizes the significance of raising financial literacy, fostering institutional trust, and fortifying regulatory frameworks. By providing insightful information for policymakers, fintech companies, and financial educators looking to attract Gen Z investors in semi-urban India, this study adds to the expanding body of research on fintech uptake and generational investment behavior.},
                  keywords = {Digital Gold, Generation Z, Investment Behavior, Financial Literacy},
                  month = {November
}
        }      

Download Paper

Download Full PDF