Urgensi Literasi Keuangan Digital sebagai Upaya Melindungi Komunitas Urban dari Penipuan Online
DOI:
https://doi.org/10.61105/jise.v4i1.379Keywords:
digital financial literacy, urban communities, online fraud, financial security, participatory educationAbstract
The shift toward digital payments via e-wallets, QRIS, marketplaces, and app-based financial services has made transactions more convenient for urban residents, but it has also increased the risk of online fraud. This community service initiative aims to improve the digital financial literacy of residents in RT 02 RW 04, Nginden Jangkungan Village, Sukolilo Subdistrict, Surabaya, particularly in recognizing, avoiding, and reporting digital transaction-based fraud schemes. The program was implemented using a community-based participatory education approach through needs assessment, face-to-face literacy sessions, case discussions, fraud scheme simulations, and one-month online mentoring. Initial findings indicate that residents actively use digital services but have a limited understanding of transaction security, including OTP/PIN protection, two-step verification, QRIS/e-wallet verification, fake links, and reporting procedures. Common scams identified include fake prizes, digital invitation links, fictitious online shopping, illegal online loans, love scams, and fake accounts. Evaluation results show a 33.3% increase in knowledge, a 36.0% improvement in the ability to recognize scams and report them, and a 42.2% increase in understanding of the safe use of QRIS/e-wallets. This program also established an initial consultation mechanism through neighborhood units (RTs) as a community-based protection effort.
Transformasi pembayaran digital melalui e-wallet, QRIS, marketplace, dan layanan keuangan berbasis aplikasi meningkatkan kemudahan transaksi masyarakat urban, tetapi juga memperbesar risiko penipuan online. Kegiatan pengabdian ini bertujuan meningkatkan literasi keuangan digital warga RT 02 RW 04 Kelurahan Nginden Jangkungan, Kecamatan Sukolilo, Surabaya, khususnya dalam mengenali, menghindari, dan melaporkan modus penipuan berbasis transaksi digital. Program dilaksanakan dengan pendekatan edukasi partisipatif berbasis komunitas melalui identifikasi kebutuhan, literasi tatap muka, diskusi kasus, simulasi modus penipuan, dan pendampingan daring selama satu bulan. Temuan awal menunjukkan warga aktif menggunakan layanan digital, tetapi masih lemah dalam memahami keamanan transaksi, seperti perlindungan OTP/PIN, verifikasi dua langkah, pengecekan QRIS/e-wallet, tautan palsu, dan prosedur pelaporan. Modus yang banyak ditemukan meliputi hadiah palsu, tautan undangan digital, belanja online fiktif, pinjaman online ilegal, love scam, dan akun palsu. Hasil evaluasi menunjukkan peningkatan pengetahuan sebesar 33,3%, kemampuan mengenali modus dan pelaporan sebesar 36,0%, serta pemahaman penggunaan QRIS/e-wallet secara aman sebesar 42,2%. Program ini juga membentuk mekanisme konsultasi awal melalui perangkat RT sebagai upaya perlindungan berbasis komunitas.
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