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In this digital era, in carrying out their activities humans will not be able to be separated from the use of technology that can help humans in completing their tasks or help humans meet their needs more easily, including the people of Indonesia. The low awareness of Indonesian people in terms of financial literacy will certainly have an impact on their ability to manage finances. This study aims to analyze the role of Financial Apps as a medium of financial management literacy education. The use of Financial Apps is increasingly widespread and provides convenience for people in managing finances. Through a literature study, this research reveals that financial literacy has a high relevance to financial management skills. Individuals with good financial literacy tend to be wiser in planning, managing and controlling their finances. In this case, Financial Apps play an important role in improving financial literacy by providing features that make it easier for users to record transactions, create financial reports, and analyze financial performance.

The digitalization era has contributed significantly to the progress and convenience of human life, especially in accessing information quickly and openly. In this context, digitalization also improves the management of financial reports for MSMEs, making them more effective and efficient. This study aims to examine the role of digitalization in MSME financial reporting activities and the challenges faced in implementing digital financial reports. Using a literature review approach, this study focuses on collecting relevant data and insights to analyze the impact of the digital financial reporting system. The results show that digitalization minimizes errors in financial reports and opens up wider funding opportunities for MSMEs, thereby improving their financial management and overall competitiveness.

This research discusses the influence of financial technology (Fintech) on the financial management of Generation Z, a generation that is familiar with digitalization and has a consumptive lifestyle. Generation Z, which accounts for around 27.94% of Indonesia's population, exhibits financial behaviors that tend to be more concerned with wants than needs. Through a literature review, this research explores how Fintech affects Generation Z's financial behavior, including the challenges that arise, such as shopping addiction and debt risk. Fintech offers easy access to financial services, such as digital payments, investments and online lending, allowing Generation Z to manage their finances more flexibly. However, their low financial literacy may result in suboptimal financial management. This study highlights the importance of financial literacy as a key factor to help Generation Z achieve sustainable financial well-being and respond to the challenges of Fintech development in the digital era

This Community Service (PKM) aims to improve financial management and digital marketing skills for ecoprint batik groups in Purbalingga. This program is motivated by the needs of craftsmen to develop local economic potential by improving skills in managing finances and utilizing digital technology for product marketing. Through a participatory approach and intensive training, this PKM activity provides an in-depth understanding of good financial management and effective digital marketing strategies. The results of this program show a significant increase in the financial management skills and digital marketing skills of the participants. Thus, this PKM has succeeded in empowering ecoprint batik groups to be more financially independent and able to compete in a wider market through optimizing digital marketing.

Implementation of Real Work Lectures is one manifestation of the Tri Dharma of Higher Education, namely empowerment and community service. On this occasion the author carried out Real Work Lecture activities in Tanjung Gusta Village with the main program headline being the socialization of financial literacy to micro, small and medium business actors, especially fish cracker or jangek cracker business actors. The approach used consists of three methods, namely observation, interviews and documentation. The main work program implemented was visiting business actors making skin crackers to socialize about financial literacy and digital promotion. Then the author also held two supporting work programs, namely the socialization of financial literacy education and sharia investment, the main focus of which was on education about investment and financial management and the second was the implementation economic market day for elementary school students with the aim of cultivating students' talents and interests in the field of entrepreneurship. Both the main and supporting work programs were carried out well and without significant obstacles due to support from Tanjung Gusta Village officials, the community and fellow students who worked together to make the work program successful.

This study aims to identify and analyze the strategies for strengthening Micro, Small, and Medium Enterprises (MSMEs) and sharia financial literacy in Tanjung Gusta Village through the implementation of digital promotion. The village has many untapped MSME potentials, with major challenges in market access and sharia financial understanding. Digital promotion and sharia financial literacy training were provided to business owners to enhance their ability to expand market reach and manage finances according to sharia principles. The research method used includes observation, in-depth interviews, and case studies. The results indicate that the implementation of digital promotion through social media significantly increased MSME product visibility, while sharia financial literacy helped business owners improve financial management, reduce consumptive behavior, and avoid financial risks that are not aligned with sharia principles. This strategy is considered effective in strengthening MSMEs and empowering the community in a sustainable manner.

This outreach program aims to increase financial literacy among Generation Z students at Satrya Budi Trade Vocational School through the introduction of simple financial reports and entrepreneurship. In the digital era which is characterized by easy access to information, understanding personal financial management and entrepreneurship is very important. This activity involves interactive presentations, financial recording simulations, and group discussions to provide hands-on experience to students. The evaluation results showed an increase in students' understanding of financial and entrepreneurship concepts, with participants being successful in answering evaluation questions well. With this program, it is hoped that students can develop the skills needed to manage finances and start a business in the future.

This study aims to compile an Information Technology (IT) Master Plan for SMK Ma'arif 1 Metro using The Open Group Architecture Framework (TOGAF) method. This method is applied to design a structured and integrated information technology infrastructure to support operations and learning in schools. The results of the study indicate that the main business processes in schools, such as student registration, curriculum management, and financial administration, are still carried out manually, making them prone to errors and inefficiencies. Through TOGAF, an information system architecture is designed that includes the development of the Academic Information System (SIAKAD) and other school management applications. In addition, improving network infrastructure and cybersecurity are priorities in the proposed technology architecture. Implementation strategies and change management are also formulated to ensure the success of the digital transformation. This IT Master Plan is expected to improve the efficiency of school operations and the quality of learning, as well as support the achievement of more optimal educational goals in the digital era.

This service aims to assist Micro, Small and Medium Enterprises (MSME) traders in increasing sales and managing their finances through the introduction of financial technology (fintech) and the utilization of the Facebook Marketplace e-commerce platform. This service was carried out in response to the challenges faced by MSMEs in the digital era, especially in the aspects of increasing sales and efficiency of financial management. This service activity involves direct training and assistance to MSME players in Wanayasa District, Banjarnegara Regency. The stages of training activities include 1) survey 2) training and mentoring 3) results and evaluation. This training activity is an introduction to the basics of fintech, how to access and utilize fintech services for financial management, as well as marketing and sales strategies through Facebook Marketplace. The results of this activity show an increase in the ability of MSME traders to use fintech to better manage their finances, including in terms of transaction recording, cash flow management, and access to digital financial services. In addition, the merchants also succeeded in increasing the visibility and sales of their products through Facebook Marketplace.Thus, the introduction of fintech and the utilization of Facebook Marketplace are proven to support the optimization of sales and financial management of MSMEs.

The transformation of public sector accounting is critical for enhancing the quality of public services. This evolution is driven by the need for greater transparency, accountability, and efficiency within government operations. Traditional accounting practices, often characterized by a focus on compliance and financial reporting, are being replaced by more comprehensive frameworks that emphasize performance measurement and management. This shift is largely influenced by globalization, technological advancements, and the increasing expectations of citizens for improved public services. By adopting modern accounting practices, public sector organizations can better align their financial management strategies with service delivery goals, thus fostering a culture of continuous improvement. Key elements of this transformation include the integration of performance indicators into accounting systems, the use of budgeting as a tool for strategic planning, and the implementation of accrual accounting. These practices facilitate more nuanced understanding of the resources used in delivering services and the outcomes achieved. Moreover, the adoption of digital technologies in accounting processes enhances data accessibility and enables real-time reporting, which supports informed decision-making. Ultimately, the transformation of public sector accounting is not merely a technical change but a fundamental shift in how public organizations operate. By focusing on outcomes and accountability, this transformation encourages  more responsive and efficient public service, thereby improving the overall quality of services provided to citizens.

This community service project aimed to address the lack of information systems and transparency in the management of Masjid At Taqwa Krandon Kudus by developing a website using the Wordpress Content Management System (CMS). The primary issues were inefficient information management and limited financial transparency. The methods used included field observations, data collection on the mosque's profile, website development, and evaluation through feedback from the mosque management and congregation. The results of this project include the creation of a mosque website that facilitates more structured and transparent information management, particularly in financial matters. The evaluation showed that the website successfully improved information accessibility for the congregation and increased trust in the mosque's management. It also provided a strong foundation for sustainable, digitally-based management in the future.

This study provides a comparative analysis of the regulatory frameworks governing Buy Now Pay Later (BNPL) services across ten ASEAN countries: Indonesia, Malaysia, Singapore, Thailand, the Philippines, Laos, Brunei Darussalam, Vietnam, Myanmar, and Cambodia. As BNPL services rapidly expand throughout the region, understanding the diverse regulatory landscapes and their implications becomes increasingly critical for fostering financial stability, consumer protection, and innovation in the digital financial ecosystem.  Utilizing a literature review methodology, the research examines existing regulations, legal frameworks, and market trends, assessing their impact on financial stability, consumer protection, and fintech innovation.  Singapore is identified as the leader in regulatory practices, effectively balancing fintech innovation with stringent consumer protection. Indonesia and Malaysia emphasize financial inclusion and systemic risk management, with Indonesia's framework focusing on transparency and financial literacy. Thailand and the Philippines are refining their frameworks, while Myanmar, Laos, Brunei, Vietnam and Cambodia are still developing their regulatory approaches. BNPL services, driven by growing e-commerce and fintech ecosystems, offer significant opportunities for financial inclusion but also pose challenges related to over-indebtedness, credit risk, and data protection. The analysis emphasizes that while BNPL presents significant opportunities for financial inclusion and fintech innovation, effective regulation is critical to ensuring sustainable growth and protecting consumers from debt traps and financial instability.

The Community Service Program (KKN) of UIN Walisongo in Sendang Dawung Village, Kendal Regency, aims to develop the local economy by strengthening Micro, Small, and Medium Enterprises (MSMEs). Intensive discussions with the village community identified various local potentials, such as agricultural products, handicrafts, and traditional processed foods. However, challenges faced include limited capital, restricted market access, and a lack of managerial skills. To address these issues, a series of workshops and mentoring programs were designed, covering business management training, product quality improvement, business digitalization, and ongoing support. Additionally, collaboration with various local stakeholders, such as the Cooperative and MSME Office and financial institutions, was established to enhance support for village MSMEs. The results of this program are expected to increase the competitiveness of MSME products, open up broader market access, and ultimately improve the welfare of the Sendang Dawung Village community

In line with the development of higher information technology, resulting in people easily accessing all information, especially in shopping online, investing online, making online loans and gambling online, this certainly requires strong household financial management. Conducting digital financial literacy education in the community is one solution to reduce the impact of errors due to improper management and to reduce the gap between understanding financial literacy and financial inclusion in the community. With the delivery of digital financial literacy education, it is hoped that the community will be able to manage household finances wisely.

Kalisapu Village, Slawi Regency, has significant agrotourism potential to be developed as part of the local creative economy. However, the utilization of these natural resources has not been balanced with adequate human resource (HR) capacity. This article discusses HR training conducted to improve the ability of local communities to manage agrotourism with a creative economy approach. Training methods include workshops, mentoring, and evaluations designed to empower communities in managing innovative and sustainable agrotourism businesses. The results of the training showed a significant increase in community understanding and skills related to creative business management, digital marketing, and financial management. This article also identifies the challenges and opportunities faced in developing a creative economy in the village agrotourism sector.

Knowledge and understanding about how to use and apply social media in promotional or business activities for tourism actors or the public is very important. Some of the main problems faced by service partners are related to the use and optimization of social media. If the community or tourism actors already have an understanding of these things, their business can grow more rapidly. The aim of implementing this community service is to provide strengthening and understanding of management concepts such as marketing, use of digital media, to develop business for the community or tourism actors in promoting tourist attractions in Tlogokotes Village as service partners. The activity mechanism uses lecture and discussion methods as well as practice or simulation. Each session ends with a question and answer session to find out how far the participants' level of understanding is in responding to the material that has been presented. This community service activity was carried out in three sessions by each team member, and it was carried out well. As a result, service partners can have better knowledge and understanding of management concepts, because the response and enthusiasm of service partners to understand the material presented is quite high. As a recommendation, community service with this theme can be carried out with other service partners such as home industry groups, street vendor groups, traditional market trader groups and so on, so as to expand understanding of management concepts such as Sharia marketing, product packaging and financial management. business better.

Accounting information system (AIS) is an important part of corporate financial management. This research aims to study the design pattern of AIS for cash receipts and disbursements using a phenomenological approach based on a background that illustrates how important AIS optimization is at the Ngawonggo Patirtaan Site. To investigate the experiences of four informants regarding the current AIS implementation, this study used qualitative phenomenology. Data were collected through observation, documentation, and in-depth interviews. Then, a model was used to analyze the relationship between theme attributes and meanings. The research was conducted at Ngawonggo Patirtaan Site, which is located in Tajinan District, Malang. The results showed that the current AIS at Ngawonggo Patirtaan Site is still simple but organized. Expenditures are allocated based on needs, but the cash receipt system uses a kotak asih. Periodic recording is done manually in the cash ledger. Information is provided through verbal reports every month. The absence of supporting facilities is a major obstacle. The results show that the AIS should be more integrated and organized. The design of the proposed AIS pattern includes online registration process, cash receipt through kotak asih, digital and manual recording of transactions, and periodic reports. It is expected that better use of AIS will improve the efficiency and accountability of financial management at Ngawonggo Patirtaan Site.

With the use of financial analysis as a gauge for the company's financial health, this research seeks to analyze PT. Pegadaian's performance. With an emphasis on financial analysis, including liquidity, solvability, profitability, and efficiency, the study employs descriptive analysis. According to the findings, PT. Pegadaian has demonstrated strong financial performance, with its liquidity allowing for efficient risk management. Efficiency shows how well a business uses its resources to generate revenue, whereas profitability ratio shows how well it generates profits. The report stresses how crucial it is to routinely assess financial performance in order to keep the company's standing and avoid market fluctuations. The organization must adjust to boost operational efficiency and enhance community service delivery in light of technology improvements and digitalization.

SIDJIE is a Micro, Small and Medium Enterprise (MSME) engaged in food and beverage, especially coffee drinks. This place provides various types of food and drinks. On this occasion, through community service activities carried out to help MSMEs through several programs offered and have been compiled and discussed with interested parties. Starting from debriefing and assistance in preparing financial reports and digitizing promotions was chosen as an effort to help develop these MSMEs. After this activity, it is hoped that SIDJIE will find it easier to see the financial condition of its business so that in the future it can be even better at managing its business finances. Furthermore, with the marketing digitalization program, it is hoped that it will be able to increase public knowledge of this coffee shop business and indirectly increase SIDJIE's sales.

SIDJIE is a Micro, Small and Medium Enterprise (MSME) engaged in food and beverage, especially coffee drinks. This place provides various types of food and drinks. On this occasion, through community service activities carried out to help MSMEs through several programs offered and have been compiled and discussed with interested parties. Starting from debriefing and assistance in preparing financial reports and digitizing promotions was chosen as an effort to help develop these MSMEs. After this activity, it is hoped that SIDJIE will find it easier to see the financial condition of its business so that in the future it can be even better at managing its business finances. Furthermore, with the marketing digitalization program, it is hoped that it will be able to increase public knowledge of this coffee shop business and indirectly increase SIDJIE's sales.