Analisis Performa Algoritma Machine Learning dalam Mendeteksi Fraud pada Dataset Aplikasi Kartu Kredit

Authors

  • Tasya Ramadani Universitas Muhammadiyah Riau
  • Crystian Delopinli Universitas Muhammadiyah Riau
  • Raffi Septiawan Universitas Muhammadiyah Riau
  • Edi Ismanto Universitas Muhammadiyah Riau

DOI:

https://doi.org/10.37859/jf.v15i2.9884
Keywords: kecurangan, algoritma machine learning, deteksi penipuan, random forest, kartu kredit

Abstract

Meningkatnya kasus penipuan kartu kredit seiring pesatnya perkembangan transaksi keuangan digital menuntut adanya sistem deteksi yang lebih tepat dan andal. Penelitian ini bertujuan untuk membandingkan kinerja tiga algoritma machine learning, yaitu Random Forest, Logistic regresi, dan SVM dalam mendeteksi tindak kecurangan pada dataset aplikasi kartu kredit. Data penelitian bersumber dari catatan transaksi kartu kredit nyata selama satu tahun. Metodologi yang digunakan mencakup pembangunan model klasifikasi untuk mengenali transaksi curang serta penerapan model dua-periode guna mengeksplorasi interaksi antara konsumen, pedagang, dan penerbit kartu. Hasil analisis menunjukkan bahwa algoritma Random Forests memberikan performa paling optimal dengan akurasi dan tingkat deteksi yang lebih unggul dibandingkan SVM dan logistitic regresi. Selain itu, studi struktural memperlihatkan bahwa faktor margin keuntungan pedagang dan rendahnya biaya dana berkontribusi dalam menjaga keseimbangan sistem kartu kredit. Temuan lainnya menegaskan karakteristik kartu kredit sebagai barang jaringan (network goods), di mana semakin banyak pedagang yang menerima kartu kredit, semakin tinggi pula adopsinya oleh konsumen. Pemanfaatan algoritma machine learning yang sesuai, didukung oleh kebijakan yang tepat, dapat meningkatkan efektivitas deteksi penipuan sekaligus memperkuat stabilitas ekosistem keuangan digital

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Published

2025-08-31

Issue

Vol. 15 No. 2 (2025): Jurnal FASILKOM (teknologi inFormASi dan ILmu KOMputer)

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Articles

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Copyright (c) 2025 Tasya Ramadani, Crystian Delopinli, Raffi Septiawan, Edi Ismanto

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