Today, with the rapid digitalization of financial communication, investors rely less on traditional financial advisors and more on those “finfluencers” who are social media creators who are able to create content. These creators are making financial information more accessible but also give investors the chance to fall victim to subjective, speculative and unverifiable market claims. This study explores the direct and interaction effects of Perceived Finfluencer Credibility (PFC) and Investor Verification Behaviour (IVB) on Influenced Investment Behaviour (IIB) for retail investors who are active investors. Primary data was gathered by surveying 228 active retail capital market participants who regularly engage with financial content online using a pre-designed survey. The test of the proposed relationships was done through Principal Component Analysis (PCA) and moderated structural path analysis. The results shows that PFC has a positive effect on IIB suggesting that investors are more likely to follow the recommendations made by finfluencers they believe to be credible. On the other hand, IVB has a considerable negative effect on IIB, indicating that investors with a certain ability to independently check financial facts are less susceptible to the persuasive influence online. Importantly, IVB also buffers the effect of PFC on IIB, and reduces the effect of the credibility of finfluencers on the decisions of investors when IWB is high. The results indicate that verification behavior is an important cognitive barrier to overcome when in the face of uncritical digital persuasion. In the context of digital financial communication, the study is a contribution to the field of behavioral finance by applying the two theories of source credibility theory and Elaboration Likelihood Model. In practice, the outputs reflect the role of investor education programs, which should be developed to encourage independent validation practices for enhancing the resilience of the retail market.