Character education is important for human life, so the role played by the world of education must not only show moral knowledge, but also love and be willing to take moral action. This paper will discuss the formation of student character through Islamic religious education. Islamic Religious Education (PAI) is one of the most important pillars of character education in the world of education. Character education will grow well if it starts from the instillation of a religious spirit in children, therefore PAI material in schools is one of the supports for character education for students. Through PAI learning, students are taught aqidah as their religious basis, taught the Koran and hadith as a guide for their life, taught fiqh as legal signs in worship, teaches Islamic history as an example of life, and teaches morals as a guide for human behavior whether in the good or bad category. bad. Therefore, the main goal of PAI learning is the formation of personality in students which is reflected in their behavior and mindset in everyday life. In addition, the success of PAI learning in schools is also determined by the application of appropriate learning methods.

Perkembangan teknologi informasi mengakibatkan perubahan dalam hal transaksi pembayaran. Transaksi pembayaran yang awalnya secara tunai kini beralih menjadi non tunai atau cashless yaitu dengan menggunakan e-wallet. Banyaknya aplikasi e-wallet dapat mempermudah dalam hal pembayaran. Tujuan dari penelitian ini adalah untuk melakukan perbandingan penerimaan pembayaran e-wallet DANA dan OVO pada generasi Z. Prosedur dari penelitian ini dengan pengumpulan data melalui kuesioner dengan menggunakan skala likert, populasi dalam penelitian ini yaitu generasi Z dikota karawang, teknik sampel yang digunakan non-probability sampling dengan metode purpose sampling. Sampel yang diperoleh yakni, 200 responden. Bedasarkan hasil penelitian menunjukan bahwa generasi Z di kota karawang paling banyak menggunakan e-wallet DANA dibandingkan dengan OVO, dilihat dari jumlah responden DANA sebesar 124 responden dan OVO  sebesar 76 responden.