This paper discusses behavioral aspects that drive students to invest in cryptocurrencies. University students represent a growing category of investors within digital finance markets. In today’s society, students invest, for example, in Bitcoin, especially on social networking sites. Using a sample of 104 students from diverse geographic and academic backgrounds, we tested the impact of age and education level on five behavioral factors: the potential for high returns, interest in investment technology and blockchain, recommendations from friends and family, fear of missing out (FOMO), and diversification of investment portfolios. Based on a structured questionnaire, we analyzed the data using cross-tabulations. We also researched specific behaviors using SPSS. Using an analytical framework of decision-making and rational expectations theory, the paper shows that technological sophistication, peer recommendations, and portfolio diversification enhance cryptocurrency investment choices. Seeking high potential returns and FOMO, however, had little impact. The research is helpful for educators, financial advisors, and policymakers This study provides useful information to educators, financial planners, and policymakers who require information on how to implement effective financial competency campaigns for youth to increase positive financial behaviors. These findings provide helpful insights for formulating strategies to improve financial literacy and the application of investment actions among young investors.

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