Edukasi Literasi Keuangan Digital untuk UMKM dalam Menghadapi Era Cashless Society
DOI:
https://doi.org/10.58266/jpmb.v4i2.679Keywords:
literasi keuangan digital, UMKM, cashless societyAbstract
Transformasi menuju cashless society menuntut pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) untuk beradaptasi dengan perkembangan teknologi keuangan digital. Rendahnya literasi keuangan digital sering menjadi hambatan utama dalam penerapan sistem pembayaran nontunai. Kegiatan Pengabdian kepada Masyarakat (PKM) ini bertujuan meningkatkan pemahaman dan keterampilan pelaku UMKM dalam menggunakan layanan keuangan digital seperti mobile banking, QRIS, dan e-wallet secara aman dan efisien. Metode pelaksanaan meliputi sosialisasi interaktif, pelatihan praktik langsung, dan pendampingan pascapelatihan. Hasil kegiatan menunjukkan peningkatan signifikan pada tingkat pengetahuan peserta mengenai pengelolaan transaksi digital, keamanan data, dan manfaat efisiensi sistem cashless. Selain itu, peserta mampu mengimplementasikan transaksi digital dalam aktivitas bisnis sehari-hari. Program ini diharapkan menjadi model edukasi berkelanjutan yang mendorong kemandirian finansial UMKM serta mempercepat inklusi ekonomi digital di masyarakat.
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