In recent years, cryptocurrencies have become a new and quite attractive form of investment, and the wider use of digital tools and techniques has led to their global spread. However, there are still a large number of people who do not choose to invest in cryptocurrencies because they are aware of the fact that the fluctuations in the value of cryptocurrencies are associated with extremely high risk. The research in this paper aims to identify young people's attitudes towards investing in cryptocurrencies. Therefore, it analyses the factors that influence students of economics and finance - members of Generation "Z" when making decisions about investing in cryptocurrencies. The research was conducted in Croatia and Spain, and the students' attitudes were compared. The data collected through a structured questionnaire was analysed using appropriate statistical methods. The analysis led to the conclusion that while students have adequate digital literacy skills, their caution in making decisions about investing in cryptocurrencies is associated with an information deficit in the form of a lack of financial knowledge about opportunities and potential harms that investing in cryptocurrencies can bring. Particular emphasis is placed on young people's awareness of the need to monitor digital developments and the associated changes. In general, young people see it as their priority to improve their digital and financial knowledge, which is necessary for them to adapt to the expected future financial and digital changes.