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Advances in information and internet technologies have significantly transformed the business environment, including the financial sector. The COVID-19 pandemic has further accelerated this digital adoption, expanding the e-commerce industry and highlighting the necessity for secure online transactions. Credit Card Fraud Detection (CCFD) stands critical as the prevalence of fraudulent activities continues to rise with the increasing volume of online transactions. Traditional methods for detecting fraud, such as rule-based systems and basic machine learning models, tend to fail to keep pace with fraudsters' evolving tactics. This study proposes a novel ensemble deep learning-based approach that combines Convolutional Neural Networks (CNN), Gated Recurrent Units (GRU), and Multilayer Perceptron (MLP) with the Synthetic Minority Oversampling Technique and Edited Nearest Neighbors (SMOTE-ENN) to address class imbalance and improve detection accuracy. The methodology integrates CNN for feature extraction, GRU for sequential transaction analysis, and Multilayer Perceptron (MLP) as a meta-learner in a stacking framework. By leveraging SMOTE-ENN, the proposed approach enhances data balance and prevents overfitting. With synthetic data, the robustness and accuracy of the model have been improved, particularly in scenarios where fraudulent examples are scarce. The experiments conducted on real-world credit card transaction datasets have established that our approach outperforms existing methods, achieving higher metrics performance.

Consumer dispute resolution in Indonesia is an increasingly relevant issue, considering the high dynamics of transactions that occur in the goods and services sector, including in the property sector. Consumers, as the weaker party in business transactions, often face problems related to the quality of goods/services received, delays, unilateral cancellations, or even failure in property development. Therefore, resolving consumer disputes is very important and requires adequate legal protection. This type of research is normative juridical research. Normative research is literature research by examining theoretical approaches and concepts that examine consumer disputes. Normative juridical research is legal research that places law as a building system of norms. Problems arise when consumers in good faith have paid all Down Payment obligations, but the business actor actually takes a unilateral decision to cancel the apartment construction project. Consumers who have invested funds amounting to IDR 307,530,900 are trying to get a refund, but the business actor does not show responsiveness and good faith in the refund process. This situation finally forced consumers to take legal action by filing a lawsuit with BPSK Medan City on December 5 2022. This case is a clear example of the application of consumer protection and the importance of BPSK as an alternative for resolving disputes outside of court. This decision also reflects the principles of justice and legal certainty in consumer disputes, where agreed consumers can obtain their rights through an arbitration mechanism.

Currently, stock processing and transactions at Aldi grocery stores are still done manually, making it inefficient. This situation sometimes causes Aldi stores to experience differences in data between the income and expenditure of goods. By creating this application, user errors in recording goods expenditure are minimized. This application has been successfully built using PHP, MySQL, Laravel, Visual Studio and XAMPP. This application aims to make it easier for users to record incoming and outgoing goods and ongoing transactions so that recording is made computerized, and based on the results of black box testing, this application works with the desired output. This website can be accessed via the link http://aplikasikasirtokoaldi.my.id.

Micro, small, and medium enterprises (MSMEs) have an important role in the Indonesian economy, but many business actors still face challenges in systematic and transparent financial records. The Pituin Coffee House, as one of the MSMEs in the culinary sector, faces obstacles in managing bookkeeping effectively. Therefore, digital financial bookkeeping training and assistance are carried out using the YouTap POS application to improve the efficiency and accuracy of financial records. The methods used in this activity include training sessions, hands-on practice, and intensive mentoring to ensure optimal understanding and implementation. The results of this program show that the use of the YouTap POS application is able to improve financial management skills, make it easier to monitor transactions, and support better business decision-making. With the digitization of bookkeeping, it is hoped that MSMEs such as The Pituin Coffee House can be more developed and competitive in the digital era.

Technological developments in the Digital Era 5.0 have significantly changed the landscape of the accounting profession. Artificial intelligence (AI), big data, blockchain, and the Internet of Things (IoT) are the main factors influencing the transformation in the world of accounting. Accountants are no longer just playing the role of recorders of financial transactions, but are also required to have in-depth data analysis skills and an understanding of new technologies that support efficiency and accuracy in financial management. The biggest challenge faced is the automation of various tasks that were previously done manually, which can reduce the need for conventional accountants. However, on the other hand, this development also opens up opportunities for accountants to increase their role in financial analysis, business planning, and technology-based risk management. This socialization activity aims to provide an understanding to accounting students and high school students regarding the role and challenges of the accounting profession in the digital era. Through a community service program in the form of a Focus Group Discussion (FGD), participants were given insight into the importance of adapting to technological developments and strategies that can be applied to stay relevant in the world of work. The results of this activity showed that the students involved gained a better understanding of the digital transformation in the accounting profession and the importance of developing technology-based skills. Thus, it is expected that future accountants can improve their competitiveness and be ready to face changes in the increasingly digital and complex business world.

This study compares the legal protection of pre-project selling property contracts in Indonesia and Singapore, focusing on the regulation of the position of PPJB, consumer protection, and the mechanism of transfer of ownership and payment. The approach used is normative with legislative and comparative methods, relying on primary and secondary legal materials through literature studies. Descriptive and comparative analysis reveal significant differences in the legal arrangements of the two countries. In Indonesia, Law No. 8 of 1999 and Law No. 1 of 2011 regulate pre-project selling through PPJB, but supervision is weak so that it often harms consumers, such as in the case of Meikarta. In contrast, Singapore has more detailed regulations, such as the Housing Developers (Control and Licensing) Act, which requires escrow accounts for consumer funds and strict payment schemes. Supervision and law enforcement in Singapore are more effective with strict sanctions against violations, reinforced by jurisprudence such as the Jurisprudence of Tan Eck Hong v Maxz Universal Development Group Pte Limited (2012) SGHC 240. This study concludes that legal protection in Singapore is more advanced than Indonesia, providing important recommendations for property law reform in Indonesia to prevent disputes and abuse in property transactions.

The online buying and selling system makes it easier for people to make transactions and creates business opportunities for business people to develop business transactions in collaboration with resellers without having to meet face to face, such as online buying and selling transactions for Namastudios bags. Online buying and selling transactions between suppliers and resellers are carried out by mutual agreement where the rights and obligations of the parties are regulated to avoid risks. However, there was a default in 2018 by the supplier that the goods sent did not match what was agreed. So resellers suffer quite a lot of losses. For these losses, the reseller filed a lawsuit at the South Jakarta District Court. The aim of the research is to provide legal protection and to find out the application of judges in court decision no. 629/Pdt.G/2022/PN.Jkt.Sel. The research method uses normative juridical research with a case approach which uses data collection methods through secondary data which is analyzed qualitatively. The results of the research are legal protection for resellers for default, based on Article 1320 of the Civil Code, where the agreement made is not in accordance with the agreement, it is null and void, where the supplier is obliged to compensate the reseller for losses. The application of the judge's law in the decision is that the judge granted part of the decision and stated that the Defendant had committed an act of breach of contract based on Article 1320 of the Civil Code which did not fulfill one of the conditions for the validity of the agreement, namely the agreement contained in the notarial deed.

Electronic Catalog Version 6 marks a significant advancement in Indonesia's government procurement system through comprehensive feature enhancements. This updated platform introduces key innovations, including a centralized product category management system that ensures standardization across all procurement processes. The system features enhanced notification capabilities, streamlined order management, and a transparent payment integration framework that facilitates seamless transactions. A notable addition is the integrated spending monitoring dashboard, which enables real-time tracking of procurement activities and supports efficient product management. The platform's successful implementation hinges on thorough stakeholder preparation and systematic user training programs. These improvements are specifically designed to optimize procurement efficiency and elevate public service quality, with a particular focus on strengthening the healthcare sector's procurement processes.

The rapid development of information and communication technology has driven the need for information services that are more relevant and adaptive to user behaviour. This research aims to integrate data analytics in the study of user behaviour to support the development of effective information services. The dataset used is Kaggle's Online Retail Dataset, which includes sales transaction data of online retail companies in the UK from December 2010 to December 2011. The analysis was conducted through customer segmentation using K-Means Clustering algorithm and predictive analysis with Association Rule Mining. The segmentation results successfully grouped customers into four main clusters, namely loyal customers, potential customers, passive customers, and low-spending customers. Model evaluation showed optimal performance with an accuracy rate of 85%, precision of 82%, recall of 78%, and F1-Score of 80%, and Silhouette Score of 0.62, indicating effective customer segmentation. The findings prove that the application of data analytics can provide deep insights into customer behaviour and support the development of more personalised and adaptive information services. This research is expected to be a reference in designing data-driven information service development strategies in various sectors.

Micro, small and medium-sized enterprises (MSMEs) have the potential to generate new jobs, offer diverse economic services to society, and contribute to accelerating national growth and stability. Of course, MSMEs are a very important sector of the national economy that can affect the lives of people in general.One of the objectives of this research is to find solutions to the problems found in the business information system of Dim Sumeya MSMEs in Pangandaran. Furthermore, data collection techniques are applied through observation and interview stages. This study was carried out by applying descriptive qualitative techniques which include analysis, summary of phenomena, as well as direct depiction of phenomena from data obtained through observations and interviews. The study collected information through interviews with the owner of Dim Sumeya. The results indicated that Dim Sumeya has not maximised its digital financial transaction recording and still does it manually. As a result, the author recommends the use of the BukuWarung application. Through this application, Dim Sumeya can support their micro, small, and medium enterprises (MSMEs) in the management of the financial system, thus minimising the risks associated with using the application.

The purpose of this study was to determine whether digital marketing media can influence consumer interaction with the Shopee marketplace. Online communication and sales are new things in the realm of marketing thanks to the rapid development of technology that allows individuals to make transactions through digital platforms. Currently, buying and selling transactions in the marketplace are in great demand and are popular with the public. One of the applications most often used by the public is Shopee. By using a digital marketing strategy in the Shopee marketplace, selling products without having to meet face to face with consumers becomes very easy. Business actors also try to apply efficient tactics to influence the level of consumer buying interest. In this study, the researcher applied a qualitative method that was explained descriptively by utilizing books, websites, and related journals. The quality and unique characteristics of the products being promoted  

This study aims to analyze the influence of e-money usage and financial literacy on the consumption behavior of accounting students in Batam City. E-money as a digital payment method has become increasingly popular among the younger generation, while financial literacy plays an important role in effective personal financial management. The study uses primary data collected from questionnaires distributed to 97 accounting students in several universities in Batam, as well as secondary data from interviews with 10 accounting students regarding e-money and financial literacy. The results show a positive correlation between high financial literacy and wise financial management, which in turn influences students' consumption behavior. Additionally, the use of e-money plays a significant role in facilitating transactions and changing consumption patterns. Simultaneously, all three variables have a significant impact with a coefficient of determination (R²) of 38.5%. The findings are expected to provide insights for relevant stakeholders in designing more effective financial education programs and promoting the use of e-money among students.

The rapid development of information technology and telecommunications has driven companies and MSMEs to adopt desktop, mobile, and web-based applications to enhance operational performance. PT HPS Painan Padang, previously relying on manual ticket bookings, faced challenges in efficiency and susceptibility to brokering practices. To address this, a web-based travel ticket booking application was developed, enabling customers to book tickets online more practically, quickly, and conveniently, anytime and anywhere. The integration of Natural Language Processing (NLP) technology in the form of a chatbot further enhances service efficiency and responsiveness. This feature provides real-time information on departure schedules, seat selection, and payment transactions while also supporting sentiment analysis and swift responses to customer feedback, ultimately improving service quality. The application, built using PHP, MySQL, and CodeIgniter with a Prototype development approach, adapts to changing market demands. Testing via GTmetrix on the https://desistravel.xyz/backend page demonstrated excellent performance with an 88% Performance score, 95% Structure score, and optimal Web Vitals metrics, indicating a fast, responsive, and stable platform. The final product is a user-friendly web-based ticket booking application supported by an intelligent chatbot, offering a seamless user experience, enhancing customer satisfaction, and streamlining the travel booking process efficiently.

Technological advances have had a major impact on the development of tradelaw. This applies in Indonesia. Information and communication technology, especially the Internet, has changed the way trade is conducted from traditional to digital or e-commerce methods. Thiscreatestheneedfor legal regulationsthattakeintoaccountnewtrendssuch as personal data protection, electronic transaction security, the validity of digital documents, and consumer protection in the digital space. The enactment of the Electronic Transaction Information Law (UU ITE) and laws and regulations in the field of electronic commerce, such as Government Regulation Number 80 of 2019 (PMSE), is clear evidence that trade law is adapting to technology. Furthermore, technological development also encourage the emergence of blockchain-based smart contracts, which require legal recognition and adaptation of their validity. However, the impact of this technology also creates challenges such as the digital divide, lack of legal literacy among SMEs, and challenges of cross-border law enforcement in international transactions. Therefore, building an inclusive, technologically sensitive, and adaptive commercial legal system requires synergy between regulators, economicactors, and the community.

This study aims to analyze the influence of e-money usage and financial literacy on the consumption behavior of accounting students in Batam City. E-money as a digital payment method has become increasingly popular among the younger generation, while financial literacy plays an important role in effective personal financial management. The study uses primary data collected from questionnaires distributed to 97 accounting students in several universities in Batam, as well as secondary data from interviews with 10 accounting students regarding e-money and financial literacy. The results show a positive correlation between high financial literacy and wise financial management, which in turn influences students' consumption behavior. Additionally, the use of e-money plays a significant role in facilitating transactions and changing consumption patterns. Simultaneously, all three variables have a significant impact with a coefficient of determination (R²) of 38.5%. The findings are expected to provide insights for relevant stakeholders in designing more effective financial education programs and promoting the use of e-money among students.

Indonesia's democracy, despite over two decades of progress since the fall of the New Order regime, has faced stagnation and democratic backsliding in recent years. Indicators from institutions such as the Economist Intelligence Unit (EIU), Freedom House, and Varieties of Democracy (V-Dem) consistently highlight a decline in democratic quality. Contributing factors include identity politics, declining electoral integrity, political dynasties, and weak institutional capacities, described as "Low-Capacity Democracy." This study employs a qualitative approach to explore these challenges, including literature reviews, document analysis, and interviews. The findings reveal systemic issues at both institutional and societal levels, including weakened oversight bodies like the Corruption Eradication Commission (KPK), the dominance of executive power, and the rise of transactional politics and political dynasties. Digital challenges, such as disinformation and low digital literacy, also exacerbate these issues. This study recommends comprehensive reforms, such as strengthening independent institutions, enhancing transparency in public fund management, and improving political education to reduce transactional practices. Digital media regulations and technology-based electoral monitoring are also proposed to increase transparency. By addressing these issues, Indonesia can reinforce democratic resilience and foster an inclusive, accountable political system.

In the digital era, online buying and selling transactions are increasing, so that shipping services have an important role. However, there are various problems in package delivery, such as loss or damage due to the absence of the recipient at the location. This study aims to design and build an IoT-based Smart Box that allows safe package receipt. This system is equipped with a keypad, ultrasonic sensor, load cell sensor, and ESP32-CAM for automatic image capture and sending notifications to users via Telegram. Tests were carried out on various aspects of the system, including sensors, IoT connectivity, and package storage security. The test results show that the tool can function well in securing packages and providing real-time notifications to recipients.

This study uses quantitative analysis in the age of digital transformation to ascertain how Indonesia's monetary policy's stability and effectiveness are affected by digital economic characteristics. The Simultaneous Regression approach (also known as structural regression) with two simultaneous equations—monetary stability and monetary policy effectiveness—is the data analysis technique used in this study. Monetary stability (SM), the volume of digital transactions (VTD), the number of digital service users (PLD), financial technology adaptation (ATF), monetary policy effectiveness (EKM), e-commerce growth (PEC), and digital financial inclusion (IKD) are the variables considered in this study. The findings indicate that the variables VTD, PLD, ATF, and EKM have a 62.3% influence on the SM variable, with other variables outside the estimation accounting for the remaining 37.7% of SM. The estimation results show that the Effectiveness of Monetary Policy (EKM) can be explained by the Digital Financial Inclusion (IKD) and Monetary Stability (SM) variables by 11.7% and 88.3%, respectively. Aside from the estimations in the model, additional factors also affect the Effectiveness of Monetary Policy (EKM).

The rapid development of information technology has provided great opportunities for the service sector to improve efficiency and convenience, including in vehicle washing services. This research aims to develop a web-based system using the Laravel framework, which is designed to simplify the online ordering process and overcome queuing problems. The system features user authentication, location-based booking, payment gateway integration for real-time transactions, and an interactive dashboard for service providers. The case study was conducted at Carenmore, a vehicle wash service in Krian. The implementation results show that the system is able to reduce customer waiting time, provide a better user experience, and improve service efficiency. Further development is recommended to add a variety of features, improve interface design, and increase the system's ability to handle larger user loads.

This study aims to determine how satisfied people are in using the Action Link application which is a mobile banking owned by Bank Aceh Syariah. The growth of technology that continues to increase from year to year so that this can have an impact on society. Technology has developed rapidly and is increasingly modern, many companies are developing performance in the information sector so that people are adopted in using online services via smartphones such as the Action service (Aceh Online Transaction) at Bank Aceh Syariah. This study uses descriptive analysis as a research approach that uses qualitative research. The technique used in this study is to conduct interviews with customers and distribute questionnaires to users of the Action application. The results of the study show that M-Banking Action makes it very easy for customers to make transactions, but there are some shortcomings in the application because there are no complete features. The quality of service also certainly has an impact on customer perceptions in using the application so that customers are still less confident in using Action if the service provided is bad and there are still those who feel less safe in using it.