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The use of digital technology in financial management has rapidly developed, with financial management applications, fintech services, and digital banking platforms becoming increasingly popular, including in Indonesia. This study aims to identify the benefits and challenges faced by society in adopting digital technology for financial management. The results show that digital technology provides broader access to financial services, enhances financial literacy, and facilitates efficient budget and investment management. Additionally, fintech helps SMEs access financing. However, challenges such as low digital literacy, data security issues, and limited access to technology in certain areas remain significant barriers. Therefore, educational programs and financial inclusion policies are necessary to maximize the potential of digital technology in financial management. Overall, digital technology can have a positive impact on financial management in society, provided that risks are mitigated, and accessibility is improved.

This research discusses the meaning of work and career for Generation Z. The research was conducted using qualitative methods and a phenomenon study approach. The research was conducted in Yogyakarta by involving 5 resource persons with fulfilling criteria, namely Generation Z who are workers and work in the Sleman area, Yogyakarta and are alumni of universities in Yogyakarta. The data analysis method uses Data Triangulation, namely, data reduction, data display and conclusions. Generation Z, known as digital natives, are proficient in using technology, have high creativity, future orientation, and the ability to collaborate. Access to technology allows them to explore a variety of work options that match personal interests and values. The mismatch between work meanings often makes Gen Z less likely to stay in their jobs. The issues addressed in this study are the meaning of work, the meaning of career, and the factors that influence careers for Generation Z. The research findings show that: 1) The meaning of work for Gen Z in the findings, on job orientation, is to earn money to fulfill life needs. In career orientation, it emphasizes the importance of seeking experience, self-development, increasing social status and expanding relationships to prepare for their future careers. While in calling orientation, describing work as a form of worship and giving benefits to others. 2) The meaning of career for gen Z in the findings is a means to achieve professional advancement, apply knowledge, develop skills, and contribute to positive change. 3) Factors that influence careers include internal factors including interests, talents, and knowledge, and external factors including family, friends, social media, work environment, and boyfriend or girlfriend.

This article discusses the role of the Blue Economy in increasing the income of coastal communities in North Sumatra through the utilization of fisheries resources. With great marine potential, including fishing that reaches more than 1 million tons per year, the North Sumatra region faces several challenges such as, low quality of human resources and limited access to technology. The Blue Economy offers a sustainable approach to managing marine resources, which not only promotes economic growth and community welfare, but also maintains the health of marine ecosystems. Through a qualitative method, we selected sources of articles found in databases in journals spread across various indexes and other sources. The research process began with literature mapping related to the role of the Blue Economy in increasing the income of coastal communities through optimizing fisheries resources, published in the last five years (2020-2024). Furthermore, group discussions were held to deepen the content analysis of the selected literature. The main objective of this research was to provide comprehensive information from the literature related to Blue Economy studies in economics and development. It was found that overall, the Blue Economy in North Sumatra has a significant positive impact on coastal communities. By managing fisheries resources and the environment more sustainably, opening up new opportunities through tourism, and improving the quality of fisheries products, the Blue Economy creates more equitable welfare, preserves nature, and supports the income of coastal communities in the long term.

The UMKM training in Sepulu Village, Bangkalan aims to enhance entrepreneurs' abilities to tackle marketing challenges in the digital era. Challenges such as low digital literacy, limited access to technology, and underutilization of digital platforms are major obstacles for UMKM. This study adopts a participatory, need-based approach, encompassing needs analysis, program design, implementation, and post-training evaluation. The training materials cover digital marketing introduction, strategies for using social media and e-commerce, and creative content creation. The results show improved participants' understanding of digital marketing and their ability to leverage technology to expand markets and boost sales. This training is expected to drive UMKM growth, foster relevant marketing innovations, and positively impact the local economy.

This research aims to analyze the communication strategies implemented in strengthening infrastructure in remote areas and the challenges faced in this process. Remote areas often face difficulties in terms of access to information, limited technology, and low community participation in development projects. The research method used is qualitative with a case study approach, involving in-depth interviews, field observations and documentation analysis. The research results show that effective communication strategies include the use of traditional communication channels, language simplification, and community involvement in every stage of the project. Challenges faced include limited access to technology, cultural barriers, and low levels of education, which can be overcome with approaches based on local context and information transparency. This research provides recommendations for increasing the effectiveness of communication in strengthening infrastructure in remote areas, in order to obtain maximum support from the community and ensure project success.

Digital society was born from the process of developing information technology which has formed a new world or new community, namely between the real world and the virtual world (cyber). The aim of this research is to discuss the importance of understanding the challenges and opportunities faced by society. In the use of digital technology, which is increasingly growing rapidly, marked by advances in information and communication technology, it is facing various significant challenges, including the digital divide, privacy and data security issues, as well as disruption of social values. Inequality in access to technology deepens social and economic disparities, while privacy and data security concerns raise concerns regarding the scope of personal information. But digital society also offers great opportunities, such as increased access to information that empowers individuals and groups, and the creation of virtual communities that support social solidarity and innovation. This research uses qualitative methods using data analysis through literature study. The qualitative approach was chosen because this research aims to obtain an understanding and explanation of the phenomenon of digital society with complex and varied challenges and opportunities from the perspective of the subjects involved. Data and information are obtained from various sources, including scientific journals, books, research reports, and online articles.

This research aims to analyze the concept of digital leadership, challenges, and opportunities faced by organizational leaders in the technological era. The method used is a literature study with a qualitative approach to explore the definition, characteristics, and strategies of digital leadership. The results showed that digital leadership requires adaptability to technology, data-based decision making, and innovation in managing virtual teams. The main challenges faced are resistance to change and gaps in access to technology, while the main opportunities are the utilization of technologies such as AI and big data.

This study aims to explore the role of cross-cultural Christian education in cyberspace in supporting the formation of virtual faith communities for global spiritual formation and interfaith dialogue. Issues that include the challenges of globalization and digitalization that change the way communities interact, especially in religious contexts. The methods used are concept analysis and literature studies that support the development of a theoretical framework for digital-based cross-cultural education. The results of the study indicate that digital platforms can be an effective means of creating inclusive cross-cultural dialogue spaces, strengthening spiritual identity, and facilitating cross-cultural learning. The findings also highlight the importance of design programs that are sensitive to cultural and technical contexts. The main conclusion of this study is that cross-cultural Christian education in cyberspace can be a powerful tool for advancing global solidarity and interfaith dialogue. However, its success depends on collaboration between educators, technology developers, and religious communities, as well as attention to obstacles such as digital literacy and unequal access to technology.

This article examines the role of coastal women in sustainable development, focusing on the challenges and opportunities they encounter. Women in coastal areas significantly contribute to fisheries, marine product processing, and environmental conservation. However, they often face various obstacles, including exclusion from decision-making processes and unequal resource access. A gender-based approach is used to explore how empowerment can be achieved through capacity building, enhanced access to technology and capital, and livelihood diversification. Additionally, strengthening social networks and local institutions proves essential for supporting active female participation. Inclusive and gender-sensitive public policies are key to creating an environment that fosters women's empowerment. Through these measures, the empowerment of coastal women is expected to enhance their contributions to sustainable development, strengthen community resilience, and support more sustainable natural resource management.