<![CDATA[The use of digital payments among high school students requires an understanding of transaction security and personal financial management. Convenient cashless transactions may expose students to fraud, personal data misuse, and excessive consumption when adequate literacy is lacking. This community service activity aimed to equip students at SMA Yuppentek 5 in Curug, Tangerang Regency, with knowledge of digital payment security and financial risk management. The activity was conducted on April 23, 2026, by a team of lecturers from the Faculty of Business, Universitas Buddhi Dharma, involving students from grades X and XI. The delivery method used interactive learning through presentations, guided instruction, discussions, and question-and-answer sessions. Topics covered digital identity protection, phishing and social engineering awareness, two-factor authentication, allowance management, the distinction between needs and wants, and risks associated with buy-now-pay-later services. Evaluation involved observing participant engagement, reviewing discussion responses, and administering a questionnaire at the end of the training. Implementation results indicated that the activity followed the planned stages. Students participated in two-way discussions and raised questions about digital fraud and financial management. Discussions also revealed that some participants were interested in investing to achieve long-term financial goals. These observations demonstrate participant engagement and the relevance of the training materials to students’ needs. However, the magnitude of knowledge improvement could not be determined because the manuscript did not present quantitative evaluation results. The activity provided an educational opportunity for students to recognize cashless transaction risks and make more considered financial decisions.]]>
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