<![CDATA[Digital transformation is accelerating the adoption of cashless transactions among the younger generation, particularly students at SMK Yuppentek 5 in Tangerang Regency. However, this high rate of digital payment adoption has not yet been fully matched by an adequate understanding of transaction security and financial risk management. This Community Service (PkM) initiative aims to enhance the digital financial literacy of students at SMK Yuppentek 5, Tangerang Regency, by educating them on cashless transaction security and personal financial risk management strategies. The activity employed an interactive approach combining informative lectures, threat identification simulations (covering phishing, skimming, and account hijacking), and a workshop on digital-based daily budget management. Participants were selected from SMK Yuppentek 5, Tangerang Regency, using a purposive sampling method. Program success was evaluated through post-test analysis to measure improvements in participant understanding. The results indicate a significant increase in the participants' digital literacy, particularly regarding the recognition of potential cybercrimes, the application of personal data protection principles (such as enabling two-factor authentication), and the ability to plan prudent financial allocations. Through this program, students are not only equipped to navigate digital payment instruments safely but also possess greater financial resilience to face future cyber-transaction risks.]]>
Copyrights © 2026
