This study aims to analyze the influence of character competencies and the intensity of virtual item purchases on the financial management of PUBG Mobile players in Indonesia. Character competencies are studied through indicators of discipline, responsibility, investment, driving factors and self-control. Meanwhile, the purchase intensity of virtual items is measured based on the frequency of purchases, the number of items purchased, the level of satisfaction, the desire to buy, and the type of items purchased, such as skins, weapons, and clothing. A descriptive-verifiable approach was used in this study, with a structured questionnaire distributed to 61 active PUBG Mobile players who had purchased virtual items. Data analysis was conducted using SmartPLS 4 to evaluate the validity and reliability of the measurement model, as well as identify the relationships and significance between variables. The results showed that character competence and the intensity of purchasing virtual items significantly affected players' financial management practices. Players with a higher level of character skill tend to have good discipline and self-control, which allows them to manage the game budget more efficiently and not spend too much. In contrast, intensive purchasing behaviors are associated with increased awareness of financial limits, where players adjust their spending habits to balance in-game needs and real-life priorities. This research emphasizes how important character competencies are to encourage players to make wise financial decisions. The study also emphasizes how important it is for players to understand how their purchasing intensity is, which can help them make better financial planning

The purpose of this observation is to increase the efficiency of financial transactions and financial and inventory management at Cafe Cetroo Coffee 120 Karawang by utilizing digital payment technology. In addition, another goal is to provide easy payment for customers and help cafes compete in an increasingly competitive market by adopting more advanced technology. As a cafe business, Cafe Cetroo Coffee 120 Karawang has utilized digital technology to increase efficiency and expand their customer reach. One of the ways Cafe Cetroo Coffee 120 Karawang makes use of digital payments is by accepting non-cash payments. In addition, Cafe Cetroo Coffee 120 Karawang also accepts payments using a debit card or credit card. Cafe Cetroo Coffee 120 Karawang also utilizes digital payments in their financial management. They use online accounting applications to monitor and manage their cash flow. With this application, they can track their income and expenses more easily, as well as generate financial reports quickly and accurately.. In conclusion, Cafe Cetroo Coffee 120 Karawang has made good use of digital payments to increase efficiency and expand their customer reach. By accepting cashless payments, using online accounting applications, and leveraging social media for marketing, Cafe Cetroo Coffee 120 Karawang can improve their customer experience and business efficiency.