Are Digital Coins Making Spending More Fun or More Risky?-Youth Talk-CATECP

Speaker

1. Talitha Lathifah Nur CahyaUniversitas Negeri Surabaya - Indonesia

2. Cinta Hafidza Fitri ArafahGuilin University of Electronic Technology

3. Rick TanagonPolytechnic University of The Phillipines - Philippines

4. Muhammad Aflahal MukminUniversitas Hasanuddin - Indonesia

5. Nayla WijayantiUniversitas Hasanuddin - Indonesia

6. Nur Nadieratul Adzza Binti AdzharKolej Vokasional Ipoh - Malaysia

7. Nur Adlina Salsabila Binti Mohd YuhanisKolej Vokasional Ipoh - Malaysia

8. Adriana Qaseh Binti Ehsal JesrinKolej Vokasional Ipoh - Malaysia

9. Julienne Joyce GonzalesGuimaras State University - Philippines

10. Paulyn UmahagGuimaras State University - Philippines

General Introduction

This edition highlights "Are Digital Coins Making Spending More Fun or More Risky?" As digital finance continues to transform the way people manage money, digital coins and cryptocurrencies have become increasingly popular, particularly among younger generations. Their convenience, speed, and accessibility offer new opportunities for payments, transfers, and investments. However, alongside these benefits come important challenges, including overspending, market volatility, online scams, and the need for greater financial awareness. In an era where financial transactions can be completed instantly through smartphones and digital platforms, understanding both the opportunities and risks of digital coins is essential.

The topic encourages participants to examine how technological innovation is reshaping spending habits and financial decision-making, while highlighting the importance of responsible and informed participation in the digital economy. Through presentations, case studies, and interactive discussions, this session invited participants to explore whether digital coins are making financial activities more convenient or exposing users to greater risks. The session also emphasized the importance of financial literacy, digital literacy, and responsible innovation in helping young people navigate the rapidly evolving world of digital finance. Participants were encouraged to reflect on their own spending behaviors, evaluate potential risks and rewards, and consider how informed decision-making can contribute to safer and more sustainable use of digital financial technologies within ASEAN communities and beyond.

This Course is for

1. University students and young adults interested in digital finance, financial technology, and emerging investment trends who wish to understand how digital coins are transforming spending habits, financial behavior, and economic participation among younger generations in an increasingly digital world.
2. Undergraduate students and early-career professionals seeking to explore both the opportunities and risks associated with digital coins, including convenience, accessibility, investment potential, overspending, and online financial scams, while developing responsible financial decision-making skills.
3. Scholars, lecturers, researchers, and practitioners focusing on finance, economics, financial literacy, digital transformation, and consumer behavior who aim to examine the impact of digital currencies on spending patterns, financial inclusion, and risk management through real-world examples and case studies.
4. Globally minded participants eager to gain cross-regional perspectives on the growth of digital finance and cryptocurrency adoption, particularly among young people, and to understand how financial literacy, digital awareness, and regulatory frameworks can support safer and more responsible participation in the digital economy across ASEAN and beyond.

Benefits of Learning

1. Gain insights into the growing role of digital coins and cryptocurrencies in modern financial systems, exploring how digital finance is changing the way people spend, save, transfer money, and invest, particularly among younger generations in an increasingly technology-driven world.
2. Understand both the opportunities and risks associated with digital coins, including convenience, financial inclusion, investment potential, market volatility, overspending, and online scams, while developing a more balanced perspective on responsible financial decision-making.
3. Connect theory with real-world application by examining actual case studies of cryptocurrency adoption, digital payment platforms, and investment scams, exploring how financial literacy and digital awareness can help individuals navigate the digital economy more safely and effectively.
4. Enhance cross-cultural understanding through discussions among students, educators, researchers, and globally minded participants, sharing perspectives on how digital finance and cryptocurrency adoption are influencing spending behaviors, financial inclusion, and economic participation across different countries, particularly within ASEAN.
5. Expand academic and professional networks by engaging with participants interested in finance, financial technology (FinTech), digital innovation, and economic development, fostering meaningful dialogue, collaboration, and knowledge exchange on the future of digital finance and responsible cryptocurrency use.

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