本研究試圖理解時下青年族群對於金融科技的接受度與風險理解，並試圖從幾個可能的角度出發，對其造成之原因與差異進行比較與分析。進而進行討論模擬投資、投資性社團活動對金融科技接受度、金融科技素養的改變，進而影響青年投資風險接受度的交互作用與影響。
金融科技素養或金融科技力是知識的展現，而知識的改變可能會影響人們面對風險與喜好的態度。本研究選擇用投資性社團活動與模擬投資經驗兩者作為可能影響金融素養與金融接受度的潛在原因，可以預期知識之效果會體現在個體對風險的疑慮上，進而改變其風險承受度。
進行分析後本研究印證了風險值會受到金融科技接受度以及科技素養的正向影響。經分析後可見，金融科技接受度會受到投資性社團的活動參與以及模擬投資經驗而產生正向影響。研究者認為，這是由於投資性社團活動在活動設計中通常會鼓勵人們投資，鼓勵社團成員接觸新的事物，而社團促進社交的功能也助長了這個氛圍，使得人們更加願意接受新的事物，從而提升金融科技接受度。至於金融科技接受度受到模擬投資的正向影響一事。研究發現對模擬投資的使用經驗越多，對於金融科技的使用與接受更能展現在其面對金融科技的態度上。
然而，本研究同時亦發現金融科技素養無法透過投資性社團的活動參與也無法透過模擬投資的經驗改善，研究者認為或許是目前多數投資社團活動較為偏向實戰及交易理論本身或是針對個股或產業分析等定價模式，而較少有關金融科技素養相關的知識性活動。亦有可能是金融科技素養的形成較為複雜，而與其家庭、教育程度、工作背景等未在本研究中探討的因素較為相關，而讓其關聯未達顯著。

This study attempts to understand the acceptance and risk understanding of financial technology by young people and tries to realize the reasons and differences from several possible factors that influence of simulation investment and investment community activities on the acceptance of financial technology and the change of financial technology literacy, and the affect on the youth's investment risk acceptance.
Fintech literacy or fintech capability is a manifestation of knowledge, and changes in knowledge may affect people's attitudes towards risks and preferences. This study chooses both investment club activities and simulated investment experience as the potential reasons that may affect financial literacy and financial acceptance.
After analysis, this study confirms that risk value will be positively affected by financial technology acceptance and technological literacy. After analysis, it can be seen that the acceptance of financial technology will be positively affected by the participation of investment community activities and simulated investment experience. The researchers believe that this is because the investment club activities usually encourage people to invest and encourage club members to get in touch with new things in the activity design, and the social function of the club also contributes to this atmosphere, making people more willing to accept new things. Thereby increasing the acceptance of fintech. As for the fact that fintech acceptance is positively affected by simulated investment. The researcher believe that this is because the simulated investment tool is also a case of technology used in investment and financial management. The more experience in using simulated investment, the more the use and acceptance of financial technology can be reflected in their attitude towards financial technology.
However, this study also found that financial technology literacy cannot be improved through participation in investment club activities or through simulated investment experience. The researcher believe that it may be that most of the current investment club activities are more biased towards trading theory itself or for individual stocks or industry analysis and other pricing models, but less knowledge-based activities related to fintech literacy. It may also be that the formation of financial technology literacy is more complicated, or it is more related to factors such as family, education level, and working background that have not been explored in this study, so that the correlation is not significant

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