<![CDATA[Massive digital transformation has shifted payment systems from cash to cashless, with high school students—specifically Generation Z—proving to be the most adaptable group regarding the use of digital wallets (e-wallets). However, this ease of digital access is often not matched by adequate financial literacy, leading to issues such as consumerist behavior (impulsive buying), vulnerability to social engineering-based cybercrimes (like phishing), and the risk of falling into debt traps via online lending services (such as "paylater" schemes). To address these challenges, a team of lecturers from Universitas Buddhi Dharma conducted a Community Service (PkM) initiative at SMK Yuppentek 5 in Tangerang Regency, titled "Navigating Digital Payments: Education on Cashless Transaction Security and Financial Risk Management for High School Students." The program employed an interactive learning approach, combining material presentations, case simulations, and Q&A sessions with pre-test and post-test assessments to evaluate outcomes. The results demonstrated a significant improvement in the students' understanding of cybersecurity, the importance of enabling two-factor authentication (2FA), and the ability to distinguish between needs and wants in order to manage personal financial risks wisely and responsibly.]]>
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