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This community service activity was carried out with the primary objective of improving the financial literacy of Micro, Small, and Medium Enterprises (MSMEs) in Pesawaran Regency. Financial literacy is considered a fundamental aspect in maintaining business continuity, as it is directly related to the ability of business actors to manage income, record transactions regularly, develop short-term and long-term financial plans, and utilize digital technology as a supporting tool. Low financial literacy is often an obstacle to the development of MSMEs, so interventions in the form of structured training and mentoring are essential. The activity method includes several stages, namely a pre-test to measure initial conditions, interactive delivery of training materials, direct practice using digital financial applications, and a post-test to disseminate learning outcomes. The evaluation results showed a significant increase in all measured indicators. Basic financial literacy increased by 10.16 points, financial recording skills increased by 14.47 points, the ability to prepare financial plans increased by 12.43 points, while financial digitalization experienced the highest performance with an increase of 18.12 points. These findings confirm that financial literacy training programs not only improve conceptual knowledge but also develop the practical skills essential for MSMEs to face the challenges of the modern economic era. This increased understanding and skills are expected to make Pesawaran MSMEs more independent, adaptable to digital technology developments, and more competitive.

Amidst the challenges of technology adoption, Indonesian MSMEs have a great opportunity to improve efficiency, competitiveness, and sustainability through digitalization. With a large contribution to GDP and employment, MSMEs need to utilize fiscal incentives, digital strategies, and online payment methods to meet the needs of modern customers. This transformation not only helps businesses operate, but also opens up opportunities for growth in the age of technology. This study looks at how digitalization, financial literacy, and technology support affect the financial performance of MSMEs. It also looks at how these factors affect productivity, efficiency and day-to-day operations in the digital age. This study aims to evaluate the impact of these three components on the financial performance of MSMEs in Karanganyar Regency. This study uses primary data from questionnaires given to MSME owners. The study findings show that financial literacy, financial inclusion, and technology use significantly improve the financial efficiency of MSMEs by helping with financial management, capital access, and business sustainability. However, the limitation of this study is the limited scope that only covers a part of the sample of MSMEs in Karanganyar Regency, so it cannot represent all MSMEs more broadly.

This study analyzes the influence of payment gateways, financial literacy, and digitalization on the financial performance of MSME actors in Brebes Regency, especially Mitra Mandiri MSMEs. MSMEs have a significant role in Indonesia's economy, but they still face various challenges, especially in the aspects of financial technology and digital literacy. Payment gateways enable faster and safer transactions, while financial literacy supports better cash flow management and financial planning. Digitalization also plays a role in improving operational efficiency. This study uses a quantitative method with a survey approach to 51 respondents. Data were collected through questionnaires and analyzed by multiple linear regression to test the relationship between variables. The results of the study show that payment gateways and financial literacy have a positive and significant effect on the financial performance of MSMEs. Payment gateways improve transaction efficiency and expand market access, while financial literacy helps in better financial management. However, digitalization does not have a significant influence on financial performance, showing that the implementation of digital technology still faces obstacles in the adoption and optimal utilization by MSME actors. These findings emphasize the importance of increasing the use of payment gateways and financial literacy education for MSME actors to improve their financial performance.