Peer-to-peer lending merupakan salah satu bentuk transformasi digital pada dunia investasi, proses investasi yang sebenuhnya online membawa banyak efisiensi dalam berinvestasi dibandingkan instrumen investasi tradisional lainnya. Penelitian ini menguji pengaruh dari financial literacy, overconfidence, risk tolerance dan investment attitude terhadap investment decision pada investor peer-to-peer lending Asetku. Penelitian ini dilakukan secara kuantitif dengan teknik pengambilan sample menggunakan purposive sampling pada 245 investor yang pernah melakukan investasi pada Asetku, yaitu salah satu perusahaan peer-to-peer lending di Indonesia. Hasil pada penelitian ini menunjukkan bahwa seluruh hipotesis didukung, artinya financial literacy, overconfidence dan investment attitude berpengaruh positif terhadap investment decision, sedangkan risk tolerance berpengaruh negatif terhadap investment decision. Penelitian ini mengungkap bahwa literasi keuangan, overconfidence dan toleransi risiko berpengaruh signifikan terhadap keputusan investasi pada platform P2P lending Asetku. Sedangkan sikap terhadap investasi tidak berpengaruh terhadap keputusan investasi. Disarankan peningkatan edukasi interaktif, simulasi, webinar, kampanye literasi, serta kolaborasi dengan regulator dan komunitas untuk memperkuat pemahaman, keyakinan, dan keberanian investor, mendorong pertumbuhan investasi berkelanjutan inklusif dan adil. Penelitian terbatas pada empat variabel independen, sedangkan masih terdapat ada prediktor lain yang dapat mempengaruhi investment attitude. / Peer-to-peer lending is a form of digital transformation in the investment world, an investment process that is completely online brings a lot of efficiency in investing compared to other traditional investment instruments. This study examines the effect of financial literacy, overconfidence, risk tolerance and investment attitude on investment decisions in Asetku peer-to-peer lending investors. This study was conducted quantitatively with a sampling technique using purposive sampling on 245 investors who had invested in Asetku, which is one of the peer-to-peer lending companies in Indonesia. The results of this study indicate that all hypotheses are supported, meaning that financial literacy, overconfidence and investment attitude have a positive effect on investment decisions, while risk tolerance has a negative effect on investment decisions. This study reveals that financial literacy, overconfidence and risk tolerance have a significant effect on investment decisions on the Asetku P2P lending platform. Meanwhile, attitudes towards investment do not influence investment decisions. It is recommended to increase interactive education, simulations, webinars, literacy campaigns, and collaboration with regulators and communities to strengthen investor understanding, confidence, and courage, encouraging inclusive and fair sustainable investment growth. The research is limited to four independent variables, while there are still other predictors that can influence investment attitude