INOVASI TANPA BATAS POTENSI AI DALAM MENCIPTAKAN SISTEM TRANSAKSI KEUANGAN DIGITAL

Authors

  • Devita Nurwulan Universitas Teknologi Digital, Indonesia
  • Fiqri Cahya Maulana Universitas Teknologi Digital, Indonesia
  • Tri Handoyo Prisasti Universitas Teknologi Digital, Indonesia

DOI:

https://doi.org/10.61722/jiem.v3i6.5401

Keywords:

AI, blockchain, transaction

Abstract

In this era of digitalization, artificial intelligence (AI) has emerged as one of the most revolutionary innovations, paving the way for efficiency, speed, and security in various financial transactions. This study employs a literature review method with a qualitative approach. According to Sugiyono (2019), descriptive qualitative research aims to gain a deep understanding of phenomena through the analysis of secondary data such as books, journals, and related documents. The advancement of AI in creating financial reports minimizes human error and increases the speed of completion. Additionally, this technology is capable of performing predictive analysis, providing companies with deeper insights into their financial conditions. The implementation of artificial intelligence (AI) in digital financial transaction systems has opened a new chapter in the financial world, making it more efficient, secure, and inclusive. AI enables process automation, enhanced data security, and personalized services that address the needs of modern society

 

References

Arifin, Z. (2023). Biometrik dan AI: Integrasi Keamanan Transaksi Digital di Asia Tenggara. Jurnal Teknologi dan Keamanan Siber, 5(1), 34–45. https://doi.org/10.31004/jtks.v5i1.9823

FATF. (2022). Use of Technology in Anti-Money Laundering and Counter-Terrorist Financing. Financial Action Task Force. Retrieved from https://www.fatf-gafi.org

Feriyanto, N., Julaeha, E., & Santoso, D. (2024). Inovasi digital dalam sistem keuangan berbasis kecerdasan buatan. Jurnal Pemerintahan dan Politik, 13(2), 115–124. https://jptam.org/index.php/jptam/article/view/17681

Feriyanto, N., Julaeha, E., & Santoso, D. (2024).

Inovasi digital dalam sistem keuangan berbasis kecerdasan buatan.

Jurnal Pemerintahan dan Politik, 13(2), 115–124.

https://jptam.org/index.php/jptam/article/view/17681

Hanafi, A., Mujab, M., & Sari, R. (2025). Analisis Penerapan Kecerdasan Buatan (Artificial Intelligence) untuk Meningkatkan Keamanan Finansial Nasabah pada Industri Perbankan. Lokawati, 3(1), 82–90. Retrieved from https://journal.arimbi.or.id/index.php/Lokawati/article/download/1433/1699/6992

Harto, B., Rukmana, A. Y., Subekti, R., Tahir, R., Waty, E., Situru, A. C., & Sepriano. (n.d.). Transformasi bisnis di era digital: Teknologi informasi dalam mendukung transformasi bisnis di era digital. PT Sonpedia Publishing Indonesia.

ISO/IEC. (2023). ISO/IEC 42001 Artificial intelligence — Management system. International Organization for Standardization.

Maryana, A., Lestari, R., & Handayani, D. (2023). Strategi transformasi digital pada layanan keuangan perbankan melalui aplikasi Livin’ by Mandiri. Jurnal Ekonomi Digital, 7(1), 45–56. https://journal-nusantara.id/index.php/J-CEKI/article/view/7096

Maryana, N., Albart, N., & Huda, N. (2025). Pemanfaatan Artificial Intelligence (AI) dalam Sektor Financial Technology (Fintech): Studi Kasus Aplikasi Livin’ by Mandiri. J-CEKI: Jurnal Cendekia Ilmiah, 4(2), 1709–1716. https://doi.org/10.56799/jceki.v4i2.7096

Muchriana Muchran, H. (2019). Disruptif Teknologi pada Era Revolusi Industri 4.0. Makassar: CV. Parahyangan.

Nawadata, R. (2024). Penerapan Artificial Intelligence dalam sistem keamanan transaksi keuangan digital. Jurnal Teknologi dan Keuangan Digital, 3(2), 101–110.

Noersanti, D., & Prasetyo, A. (2024). Pengaruh Artificial Intelligence dalam Pembuatan Laporan Keuangan. Rimba, 2(1), 15–25. Retrieved from https://journal.arimbi.or.id/index.php/Rimba/article/download/1330/1590/6305

Noersanti, D., & Prasetyo, A. (2024).

Pengaruh Artificial Intelligence dalam Pembuatan Laporan Keuangan.

Rimba, 2(1), 15–25.

https://journal.arimbi.or.id/index.php/Rimba/article/download/1330/1590/6305

Nugroho, B., & Santoso, A. (2023). Penerapan Kecerdasan Buatan untuk Deteksi Kecurangan dalam Transaksi Keuangan Digital: Studi Kasus pada Industri Perbankan Indonesia. Jurnal Sistem Informasi, 19(1), 45-62. https://doi.org/10.21609/jsi.v19i1.1325

OECD. (2021). OECD Framework for the Classification of AI Systems. Retrieved from https://www.oecd.org/digital/framework-for-classification-of-ai.pdf

Pratama, Y., & Lestari, D. (2023). Transformasi Digital Sektor Keuangan di Indonesia: Studi Kasus Implementasi AI pada Layanan Pembayaran. Jurnal Ekonomi Syariah Teori dan Terapan, 10(1), 1-15.

Russell, S. J., & Norvig, P. (2021). Artificial intelligence: A modern approach (4th ed.). Pearson.

Sari, Z. P., & Huda, N. (2025). Analisis peran fintech dalam mendorong inovasi keuangan modern: Studi kasus pada OVO di Indonesia pada tahun 2024. Jurnal Bisnis Mahasiswa, 5(1), 449–456. https://doi.org/10.60036/jbm.v5i1.400

Sugiyono. (2017). Metode penelitian kombinasi (mixed methods). Bandung: Alfabeta.

Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D (Edisi ke-3). Bandung: Alfabeta.

Sulistyowati, N., Rahmat, I., & Hidayat, M. (2023). Peran AI dalam meningkatkan efisiensi lembaga keuangan mikro syariah. IDEAS: Jurnal Ekonomi dan Bisnis, 4(1), 75–83. https://jurnal.ideaspublishing.co.id/index.php/ideas/article/view/1949

Widodo, S., & Pratama, I. (2023). Tantangan Implementasi Kecerdasan Buatan dalam Industri Jasa Keuangan Indonesia: Perspektif Teknis, Etis, dan Regulasi. Jurnal Sistem Informasi dan Manajemen, 11(2), 145-168. https://doi.org/10.31227/jsim.v11i2.7432

Downloads

Published

2025-06-22

Issue

Section

Articles