Jurnal dan Sertifikat

Jurnal dan Sertifikat

• By Ariyati, Indah; Rosyida, Susy; Ramanda, Kresna; Riyanto, Verry; Faizah, Siti; Ridwansyah;
• Jurnal Internasional
• 365

One of the developments of information technology in Indonesia was the
developments in Fintech (financial technology) that made it easy for people to access financial
products, facilitated online transactions and also increased financial literacy. The development of
fintech occurs when the use of cash was reduced to cashless when making payment transactions
so that transactions would be more practical, easy, safe and comfortable. The purpose of
this study to improve the quality of decision tree modeling and accuracy in the selection of
digital payments. This research was focused on determining the fintech applications that were
widely used by the people of Indonesia, namely Gopay or Ovo by comparing the advantages
of applications and features of each fintech application. Optimization method of Decision Tree
Algorithm (C4.5) and Particle Swarm Optimization by selecting several attributes including
the level of ease of use, data security, application trust and convenience, maximum balance
increase, discounts, cashback, ease of top-ups, range of existing merchants, return the money
and customer complaint services. The results of the development of a decision tree algorithm
based on particle swarm optimization provide a good classification and increase the validation
value in the selection of digital payments

• Katakunci
• URL https://iopscience.iop.org/article/10.1088/1742-6596/1641/1/012090/pdf
• Penerbit IOP Publishing,

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