Analisis Penerapan Kecerdasan Buatan (Artificial Intelligence) untuk Meningkatkan Keamanan Finansial Nasabah pada Sektor Perbankan

rizki listyono; Titi Rapini; Umi Farida

doi:10.61132/lokawati.v3i1.1433

Authors

rizki listyono universitas muhammadiyah ponorogo
Titi Rapini Universitas Muhammadiyah Ponorogo
Umi Farida Universitas Muhammadiyah Ponorogo

DOI:

https://doi.org/10.61132/lokawati.v3i1.1433

Keywords:

Bank, Customer Service, Financial Aspect

Abstract

The use of artificial intelligence (AI) in banking has grown rapidly in recent years, providing opportunities and challenges in dealing with it. AI in the banking world is expected to facilitate use, strengthen customer data security, and optimize risk management. This article aims to analyze the level of customer user experience towards banking services by utilizing artificial intelligence (AI). The analysis technique used in this study is descriptive with a quantitative approach, involving 100 respondents of various ages, various jobs and various educational backgrounds. The main requirement for respondents is that they are customers of various conventional banks in Ponorogo Regency who have used artificial intelligence (AI)-based banking services. Data were collected through questionnaires supplemented with secondary data in the form of documents related to the implementation of artificial intelligence in the banking service system. The application of AI in the banking sector is the detection and prevention of fraudulent transactions in real time, identity verification through biometrics, identity verification through biometrics, chatbots and virtual assistants for customer service, detecting suspicious activity, and the use of smart wallets. The findings in this study explain that artificial intelligence (AI) is able to increase the efficiency of services to customers, provide a better experience, and improve the quality of banking services. Customers are greatly helped by the use of artificial intelligence (AI)

Downloads

Download data is not yet available.

References

Ayunda,N., & Rusdiyanto, E. (2021). Analisis Efektifitas Penerapan Kecerdasan Buatan dalam Menyimpan Data Sensitif Bank. Jurnal manajemen dan Bisnis, 12 (2), 45-58.

Azkiya, B.M. Tanjung, H. Gustiawati, S. (2022). Pengaruh Kinerja Karyawan, Kualitas Pelayanan dan Kualitas Produk terhadap Kepuasan Nasabah Bank Syariah Indonesia: Studi Riset Bank Syariah Indonesia KCP Citeureup 1. Jurnal Kajian Ekonomi & Bisnis Islam.Vol. 5, No. 1.

Bostrom, N., & Yudkowsky, E. (2019). The Ethics of Artificial Intelligence and Its Impact on Society. Philosophy & Technology, 32(1), 21-39.

Geetha, R.,& Kumar,V. (2021). Peran Kecerdasan Buatan Untuk Perlindungan Data Nasabah dalam Sektor Perbankan. Jurnal Ilmu Komputer dan Informasi, 10(3), 123-135

Hanafi, M., Rio, M., Pratama, A., & Sidik, R. (2023). Pengaruh Artificial Intelligence: Analisis Terhadap Keuangan, Loyalitas Pelanggan, Pengalaman Konsumen, dan Minat Beli, JRIIN :Jurnal Riset Informatika dan Inovasi: Vol. 1 No. 4 (2023): JRIIN: Jurnal Riset Informatika.

Hutabarat, R. (2020). Keamanan Finansial dalam Konteks Perbankan Digital. Jakarta: Salemba Empat.

ILO. (2022). "Tinjauan Ketenagakerjaan dan Sosial Dunia 2022: Mencapai Transisi Ramah Lingkungan." Jenewa: Organisasi Perburuhan Internasional.

Kaplan, A., & Haenlein, M. (2019). The Explanation of Artificial Intelligence: What It Is, How It Works, and Its Impact on Banking. Journal of Business Research, 102, 271-281.

Kim, H. J., & Park, S. H. (2021). Implementing Artificial Intelligence for Secure Financial Transactions in Banks. Journal of Financial Security, 9(2), 112-124.

Ling Chen Hoe. (2018). The Effects of Product Quality on Customer Satisfaction and Loyalty: Evidence from Malaysian Engineering Industry. International Journal of Industrial Marketing. Vol.3, No.1.

Liu, H., & Wei, X. (2020). The Role of Artificial Intelligence in Financial Services: Innovations, Risks, and Opportunities. Journal of Financial Innovation, 6(1), 23-35.

Mujab, Saputra. (2022). Menakar Kualitas Pelayanan Bank Syariah Terhadap Kepuasan Nasabah (Studi Pada Bank Muamalat Cabang Palangka Raya), Jurnal Manajemen Dakwah Volume 10, Nomor 2, 2022, 166-182 Prodi Manajmen Dakwah Fakultas Dakwah dan Ilmu Komunikasi, UIN Syarif Hidayatullah Jakarta http://journal.uinjkt.ac.id/index.php/jmd p-ISSN: 2338-3992, e-ISSN:2797-9849

Nguyen, T. H., & Tan, L. M. (2022). AI-Powered Fraud Detection Systems in Banks: A New Era of Cybersecurity. Journal of Cybersecurity and Digital Trust, 4(3), 87-104.

Ningsih, SR. (2024). Pengaruh Teknologi Terhadap Produktivitas Tenaga Kerja di Indonesia. BENEFIT: Journal Og Business, Economics, and Finance. Vol 2. Issue 1 Page 1-9. https://publikasi.abidan.org/index.php/benefit/article/view/341

Nuriana, Dodi., Rizkiyah, I., Efendi, L., Wibowo, H., raharjo, ST., (2019). Generasi baby boomers (lanjut usia) dalam menghadapi era revolusi industri 4.0. Focus: Jurnal Pekerjaan Sosial Vol. 2 No: 1 32—46. Program Studi Ilmu Kesejahteraan Sosial, Universitas Padjajaran, https://pustaka.unpad.ac.id/wp-content/uploads/2023/08/7.-Generasi-Baby-Boomers-Lanjut-Usia.pdf ISSN: 2620-3367

Rahardjo, P. (2020). Manajemen Risiko dalam Industri Perbankan. Jakarta: Elex Media Komputindo.

Restyandito dan Kurniawan, E. (2017). Pemanfaatan Teknologi oleh Orang Lanjut Usia di Yogyakarta. Prosiding Seminar Nasional XII “Rekayasa Teknologi Industri dan Informasi Sekolah Tinggi Teknologi Nasional Yogyakarta”

Russell, S., & Norvig, P. (2016). Artificial Intelligence: A Modern Approach (3rd Edition). Pearson Education.

Setiawan, H. (2019). Dasar-Dasar Keamanan dalam Layanan Perbankan. Jakarta: Salemba.

Sharma, P., & Sahu, P. (2021). Artificial Intelligence in Banking: A Survey on Its Applications and Challenges. International Journal of Engineering and Technology, 10(2), 45-58.

Zhang, L., & Lee, W. C. (2020). Artificial Intelligence and Its Role in Enhancing the Security of Digital Banking. Journal of Digital Finance, 15(4), 101-115.