PENGUATAN PENDIDIKAN EKONOMI DIGITAL SEBAGAI UPAYA TRANSFORMASI LITERASI KEUANGAN DI ERA CASHLESS SOCIETY

Abstract

The rapid development of digital technology has significantly transformed the economic
landscape, particularly in shifting people’s transaction patterns toward a cashless society. This
phenomenon offers opportunities in terms of convenience, efficiency, and financial inclusion, but
it also poses risks such as digital fraud, impulsive consumer behavior, and a lack of financial
management skills. This study aims to analyze the urgency of digital economic education in
enhancing financial literacy in the cashless society era, identify challenges in its
implementation, and formulate effective strengthening strategies. The research employed a
qualitative approach using library research by reviewing academic literature, official reports,
and publications related to financial literacy and digital education. The findings reveal that
digital economic education plays a strategic role in equipping society, especially the younger
generation, with the knowledge and skills to utilize digital financial services wisely and safely.
Major challenges include unequal access to digital infrastructure, limited teacher competence,
insufficient regulatory frameworks, and strong consumerist tendencies. Recommended strategies
include integrating digital finance into curricula, conducting practical workshops, adopting
contextual and inclusive approaches, fostering multisector collaboration, and leveraging digital
learning technologies. Strengthening digital economic education is expected to enable society to
adapt to the dynamics of the digital economy while minimizing potential risks

Keywords: digital economic education, financial literacy, cashless society, strengthening strategies