Abstract:Penggunaan dompet digital yang terus meningkat menghasilkan banyak ulasan pengguna yang dapat dimanfaatkan untuk mengevaluasi kualitas layanan. Penelitian ini bertujuan meningkatkan akurasi klasifikasi sentimen pengguna…
dompet digital menggunakan metode Stacking Ensemble Machine Learning yang mengombinasikan Support Vector Machine (SVM), Multinomial Naïve Bayes (MNB), dan AdaBoost dengan Logistic Regression sebagai meta-learner. Data ulasan diproses melalui tahapan text preprocessing meliputi case folding, cleaning, tokenizing, stopword removal, stemming, dan pembobotan fitur menggunakan TF-IDF. Penyeimbangan data dilakukan dengan SMOTE, sedangkan evaluasi model menggunakan 5-Fold Cross-Validation. Hasil penelitian menunjukkan bahwa model Stacking Ensemble memperoleh akurasi rata-rata 80,55%, lebih tinggi dibandingkan algoritma dasar. Evaluasi menggunakan Confusion Matrix, Classification Report, dan ROC Curve juga menunjukkan peningkatan nilai precision, recall, F1-score, dan kemampuan diskriminasi model. Hasil ini menunjukkan bahwa pendekatan Stacking Ensemble Machine Learning efektif untuk meningkatkan akurasi klasifikasi sentimen pengguna dompet digital serta mendukung evaluasi kualitas layanan berbasis opini pengguna.
The rapid growth of digital wallet usage has generated a large volume of user reviews that can be utilized to evaluate service quality. This study aims to improve the accuracy of digital wallet user sentiment classification using a Stacking Ensemble Machine Learning approach that combines Support Vector Machine (SVM), Multinomial Naïve Bayes (MNB), and AdaBoost with Logistic Regression as the meta-learner. User reviews were processed through text preprocessing stages, including case folding, text cleaning, tokenization, stopword removal, stemming, and TF-IDF feature weighting. Synthetic Minority Over-sampling Technique (SMOTE) was employed to address class imbalance, while model performance was evaluated using 5-Fold Cross-Validation. The experimental results show that the proposed Stacking Ensemble model achieved an average accuracy of 80.55%, outperforming the individual base learners. Furthermore, evaluations based on the Confusion Matrix, Classification Report, and Receiver Operating Characteristic (ROC) Curve demonstrated improvements in precision, recall, F1-score, and the model's discriminative capability. These findings indicate that the proposed Stacking Ensemble Machine Learning approach is effective in improving the accuracy of digital wallet user sentiment classification and can serve as a reliable tool for supporting service quality evaluation based on user opinions.
Abstract:This study aims to determine and analyze the influence of the Theory of Planned Behavior and Financial Literacy on the Intensity of E-Wallet Usage among university students. This research employs a quantitative method. Data…
ata were collected through the distribution of questionnaires to 88 students of the Faculty of Economics and Business at Gorontalo State University and analyzed using SPSS version 25 by conducting validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-test, and F-test. The results show that: (1) the Theory of Planned Behavior has a positive and significant effect on the Intensity of E-Wallet Usage, (2) Financial Literacy has a positive and significant effect on the Intensity of E-Wallet Usage, and (3) both variables simultaneously exert a significant influence. These findings indicate that behavior in using e-wallets is influenced by psychological elements and financial literacy skills Both factors play a crucial role in shaping smart, effective, and responsible digital financial behavior in today's era.
Abstract:The growth of internet users in Indonesia has increased significantly from last year and penetration has reached 79.5% by the beginning of 2024. Reaching 13.66% of the Indonesian population has made payments.e-commerceregularly…
gularly cashless with e-wallet or digital wallet. This reflects that Indonesian society is undergoing transformation by implementing digital wallet programs.cashless society or change of cash payment to non-cash. The use of QRIS is one of the instruments that support the BI program in creating cashless society. The existence of digital transformation is only supported by 6.84% of the Indonesian population who are digitally literate, which means that more than 90% of the people in Indonesia are not digitally literate in facing this digital transformation. The aim of the research is to determine the influence of digital transformation.financial literacy, perceived ease of use, perceived risk, And lifestyle moderated by the rolegender towards the adoption of the use of QRIS ascashless payment on Generation Z in Bandung Raya. The theory from this study uses Technology Acceptance Model 1 because the theory is relevant to the objectives of this research. The model focuses on the main factors affecting technology acceptance, one of which isperceived ease of usewhich is modified within the research framework. The research method used is quantitative with the aimcausal descriptive which is applied by usingTechnology Acceptance Model (TAM). The time for implementing the study iscross sectionaland the research backgroundnon-contrived. The analysis tool usesStructural Equation Model (SEM) basedPartial Least Square (PLS) to test the tentative hypothesis proposed to 30 Generation Z QRIS users in Greater Bandung. During the sampling process, 113 respondents were recruited. The preliminary findings indicate that all independent variables are valid, as all questionnaire items have r-values > 0.361 at a significance level of 0.05. The results of this study show that eachfinancial literacy, perceived ease of use, perceived risk, And lifestyle has a significant positive effect onbehavior intention on Generation Z in Bandung.Gender is known to moderate the influence of each independent variable in this study onbehavior intention on Generation Z in Greater Bandung. Academic suggestions from this study are intended to enable future research to explore the indicators of each independent variable in more depth and expand the sample size. Practical suggestions for service providerse-wallet to focus on reducing risks and increasing personal security and develop strategies to build user trust inlifestyle owned by the user.
Abstract:Abstract: Burai Village in Ogan Ilir Regency, South Sumatra, has significant potential in the Micro, Small, and Medium Enterprises (MSMEs) sector, particularly in the creative industry, culinary arts, and handicrafts. However,…
wever, MSMEs in this village face various challenges, especially in financial management, such as unstructured bookkeeping, low financial literacy, and limited access to formal capital. This community service program aims to enhance MSME actors’ understanding of the importance of sound financial management and the use of technology in managing their finances. The program was implemented in three stages: preparation (survey and material development), implementation (socialization and training), and evaluation to ensure participants' understanding and application of financial management practices. The training results showed a significant improvement in MSME actors' knowledge of financial recording, separation of personal and business finances, and the use of digital tools such as Sepran accounting apps and e-wallets. MSME actors also began preparing more structured financial reports to facilitate access to funding. This program successfully improved the competitiveness and sustainability of MSMEs in Burai Village.
Keywords: financial management; UMKM; digital technology
Abstrak: Desa Burai di Kabupaten Ogan Ilir, Sumatera Selatan, memiliki potensi besar dalam sektor Usaha Mikro, Kecil, dan Menengah (UMKM), khususnya di industri kreatif, kuliner, dan kerajinan tangan. Namun, UMKM di desa ini menghadapi berbagai tantangan, terutama dalam pengelolaan keuangan, seperti pencatatan yang tidak terstruktur, rendahnya literasi keuangan, serta kesulitan dalam mengakses permodalan formal. Program pengabdian ini bertujuan untuk meningkatkan pemahaman pelaku UMKM tentang pentingnya manajemen keuangan yang baik dan pemanfaatan teknologi dalam pengelolaan keuangan mereka. Metode pengabdian dilaksanakan melalui tiga tahap, yaitu persiapan (survey dan penyusunan materi), pelaksanaan (sosialisasi dan pelatihan), serta evaluasi untuk memastikan pemahaman dan implementasi pengelolaan keuangan oleh pelaku UMKM di Desa Burai Hasil pelatihan menunjukkan peningkatan signifikan dalam pemahaman pelaku UMKM mengenai pencatatan keuangan, pemisahan keuangan pribadi dan usaha, serta pemanfaatan teknologi digital, seperti aplikasi akuntansi sepran dan e-wallet. Pelaku UMKM juga mulai mempersiapkan laporan keuangan yang lebih terstruktur untuk mempermudah akses modal. Program ini berhasil meningkatkan daya saing dan keberlanjutan bisnis UMKM di Desa Burai.
Kata kunci: manajemen keuangan; UMKM; teknologi digital
Abstract:Perkembangan teknologi digital mendorong munculnya inovasi di sektor keuangan yang dikenal sebagai financial technology (fintech), salah satunya melalui penggunaan aplikasi e-wallet. Generasi Z sebagai generasi yang tumbuh…
uh di era digital menjadi kelompok yang paling cepat mengadopsi teknologi keuangan tersebut. Penelitian ini bertujuan untuk menganalisis implementasi pemanfaatan fintech melalui aplikasi e-wallet serta pengaruhnya terhadap minat penggunaan di kalangan Generasi Z di Kota Medan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode deskriptif dan asosiatif. Data diperoleh melalui penyebaran kuesioner kepada 120 responden Generasi Z yang berdomisili di Kota Medan dan telah menggunakan aplikasi e-wallet. Teknik analisis data yang digunakan meliputi uji instrumen, uji asumsi klasik, analisis regresi, serta uji hipotesis dengan uji t dan uji F. Hasil penelitian menunjukkan bahwa implementasi pemanfaatan fintech melalui aplikasi e-wallet berpengaruh positif terhadap minat penggunaan di kalangan Generasi Z. Faktor-faktor seperti kemudahan penggunaan, manfaat yang dirasakan, keamanan transaksi, promosi dan insentif, serta pengaruh sosial dan gaya hidup digital berperan penting dalam meningkatkan minat Generasi Z terhadap penggunaan e-wallet. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan literasi keuangan digital serta menjadi bahan pertimbangan bagi penyedia layanan fintech dalam merancang layanan yang sesuai dengan karakteristik Generasi Z.
Abstract:Perkembangan teknologi keuangan digital telah mengubah pola transaksi masyarakat, termasuk mahasiswa, dari pembayaran tunai ke pembayaran non-tunai seperti QRIS, e-wallet, dan mobile banking. Kemudahan, kecepatan, serta…
berbagai promo yang ditawarkan oleh layanan pembayaran digital berpotensi mendorong perilaku konsumtif, terutama jika tidak diimbangi dengan literasi keuangan yang memadai dan gaya hidup yang rasional. Penelitian ini bertujuan untuk menganalisis pengaruh pembayaran digital (QRIS, e-wallet, dan mobile banking), literasi keuangan, dan gaya hidup terhadap perilaku konsumtif mahasiswa Universitas HKBP Nommensen Medan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Populasi penelitian adalah seluruh mahasiswa aktif Universitas HKBP Nommensen Medan yang menggunakan layanan pembayaran digital. Sampel penelitian berjumlah 95 responden yang ditentukan menggunakan teknik purposive sampling dan rumus Slovin. Data dikumpulkan melalui kuesioner dengan skala Likert dan dianalisis menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS. Hasil penelitian ini diharapkan menunjukkan bahwa pembayaran digital dan gaya hidup berpengaruh positif terhadap perilaku konsumtif mahasiswa, sedangkan literasi keuangan berpengaruh negatif terhadap perilaku konsumtif. Penelitian ini diharapkan dapat memberikan kontribusi teoritis dalam pengembangan ilmu manajemen keuangan serta memberikan manfaat praktis bagi mahasiswa dan institusi pendidikan dalam meningkatkan kesadaran dan pengelolaan keuangan yang bijak di era digital.