Blockchain-empowered e-ticket distribution system for secure and efficient transactions, validation, and audits

Implementing blockchain technology in the Islamic finance sector, particularly in Islamic banking in Indonesia, holds significant potential to enhance transparency, efficiency, and security in transactions. However, its application still requires further research to ensure compliance with Islamic law principles. This study aims to analyze blockchain implementation in improving transparency, efficiency, and security in Islamic banking transactions while ensuring alignment with Sharia principles. A qualitative approach with a literature review is used, examining relevant sources on blockchain applications in the Islamic banking sector. The data for this study is gathered from scholarly articles, books, and related documents. The findings suggest that blockchain can improve transparency, reduce intermediaries, accelerate transactions, and enhance security. However, the primary challenge lies in adapting to Sharia regulations, which requires collaboration between regulators, financial institutions, and technology experts. Strengthening regulations and gaining a deeper understanding of this technology will support wider adoption in the Islamic banking sector.

The development of banking services not only aims for security and reliability, but also to provide services that are adapted to technological developments and needs, as mobile banking involves combining information technology and business applications together Mobile Banking is a banking service provided by the bank to support the smoothness, convenience and security for the use of banking activities in terms of customer effectiveness and efficiency in transactions. This study aims to determine the ease of use of the Mobile Banking technology system for non-cash transactions among students. The approach used in this research is a qualitative approach by going to the field, namely interviews with respondents of 5C class Islamic Banking students. The research method is based on the philosophy of the key instrument and also produces written or oral data. The usefulness and convenience obtained from mobile banking on security in non-cash transactions provides significant results and benefits in non-cash transaction problems among students because it is very efficient and helpful. In addition, the security side of the transaction must also be considered so that nothing unwanted happens.

The development of banking services not only aims for security and reliability, but also to provide services that are adapted to technological developments and needs, as mobile banking involves combining information technology and business applications together Mobile Banking is a banking service provided by the bank to support the smoothness, convenience and security for the use of banking activities in terms of customer effectiveness and efficiency in transactions. This study aims to determine the ease of use of the Mobile Banking technology system for non-cash transactions among students. The approach used in this research is a qualitative approach by going to the field, namely interviews with respondents of 5C class Islamic Banking students. The research method is based on the philosophy of the key instrument and also produces written or oral data. The usefulness and convenience obtained from mobile banking on security in non-cash transactions provides significant results and benefits in non-cash transaction problems among students because it is very efficient and helpful. In addition, the security side of the transaction must also be considered so that nothing unwanted happens.

Blockchain technology revolutionizes financial services by enhancing security, transparency, and efficiency in transactions and services. This paper examines the fundamental aspects of blockchain, including its core concepts and components, and explores its application in financial services. Blockchain's cryptographic hashing, decentralization, and immutability significantly improve security by preventing tampering and reducing fraud risks. Increased transparency through immutable audit trails, real-time updates, and open ledgers fosters trust among customers, regulators, and institutions. Furthermore, blockchain streamlines operations by automating processes, reducing intermediaries, and expediting transactions, resulting in substantial cost reductions and improved efficiency. Despite these advantages, challenges such as scalability, interoperability, regulatory uncertainty, and environmental impact must be addressed for widespread adoption. The prospects of blockchain in financial services are promising, with potential applications in decentralized finance, digital identity verification, and central bank digital currencies. This paper underscores the transformative potential of blockchain technology in creating a more secure, transparent, and efficient financial ecosystem.

Technological developments are currently very fast, one of which is in Financial Technology (Fintech). In Indonesia, since the publication of e-money, every year there has been an increase in the amount of emoney flowing. However, the population stated that it is smaller than the total population of Indonesia in productive age. It can be concluded that there are still Indonesians of productive age who still do not use e-money. This study aims to see how the influence of public perceptions, efficiency and security of transactions on the interest in reusing e-money. Relationship between Public Perception, Efficiency and Security of Transactions partially and simultaneously on the Interest of Reusing E-money. The population in this study were all Muslim millennials of Malang City who used the OVO application. Samples were taken using a formula for the number of unknown population with the results of 100 respondents with purposive sampling technique. The data was collected by distributing questionnaires to respondents. The results showed that public perception had a positive and significant effect on the interest in using e-money as evidenced by the path coefficient of 0.256 and the t statistic of 2.574, the value was greater than t table (1.96) or p ≤ 0.05. Efficiency has a positive and significant effect on interest in using e-money as evidenced by the path coefficient value of 0.386 with a statistical value of 4.142. This value is greater than t table (1.96) and significant or p ≤ 0.05. And Transaction Security has a positive and significant effect on the interest in using e-money as evidenced by a path coefficient of 0.312 and a statistic of 3.518 which is greater than t table (1.96) and a significance p-value of 0.001 <0.05. Based on the calculation with the coefficient of determination, the value of R Square for Interest in E-money Use is 0.5774, this value shows the variable of Interest in E-money Usage (Y) from the Perception of the Muslim Community (X1), Efficiency (X2), Transaction Security (X3) of 57.74% while the remaining 42.26% is influenced by other variables outside the one under study.

This research seeks to tackle the issues of transaction efficiency, payment convenience, transaction security, and minimal consumer involvement encountered by "Terminal Coffee" Coffee Shop. These concerns stem from the sluggish traditional payment system, the lack of ease in transactions, and the need for enhanced transaction security. Furthermore, insufficient client interaction is a significant issue. This research employs application development utilizing Android Studio, JavaScript, Java, and Kotlin. This application seeks to enhance transaction efficiency by facilitating quicker and more convenient payments for Terminal Coffee patrons. The app will use enhanced transaction security mechanisms to safeguard client data and mitigate fraud. The research will focus on enhancing customer engagement through the development of an interactive and compelling loyalty program. The app will enable customers to engage with the coffee shop in a more personalized way, enhancing their overall experience through technology. The research will deliver a comprehensive financial management system that facilitates clients in overseeing their finances about purchases and expenditures at Terminal Coffee. This program will enhance spending visibility, facilitate financial planning, and optimize client financial management efficiency. This research is anticipated to significantly enhance Terminal Coffee's transaction efficiency, security, consumer engagement, and financial management. Moreover, the built application enhances customer experience and facilitates the growth of Terminal Coffee's business.

Problem statement: The purpose of this study is to prove objectively that the market-wholesaler system, introduced to agricultural wholesale market in Korea for the first time, has better operational efficiency than the existing auction system. From an analytical viewpoint, we estimated the time value of two transaction systems at the agricultural wholesale market using the calculation methods of the congestion cost and the accumulation cost, and estimated the operational efficiencies divided by product family and item. Approach: We used data from the Statistical Resource of Agricultural and Marine Wholesale Market by Year for the research conducted in this study. Results: As a result, we were able to analyze and conclude that the market-wholesaler system had a relatively lower time cost than the auction system by utilizing the time required from the agricultural carrying-in to the preparation for sale by the transaction system at the agricultural wholesale market and calculating the total time cost for 16 main items into the amounts. These results prove that the market wholesaler system has a better efficiency than the auction system. Conclusion: Therefore, if the market-wholesaler system can be enlarged and introduced into Korea’s 32 agricultural wholesale markets as the policy implicates by the study results, we can conclude that the transaction efficiency within the agricultural wholesale market will be better and it will contribute to enhancing the efficiency of the whole agricultural and fishery distribution industry.

The rapid advancement of digital technology has revolutionized the financial services industry, compelling banks to adopt more efficient and secure digital platforms. This study explores the implementation of a Management Information System (MIS) to enhance the efficiency and security of interbank transactions through the BCA Mobile application, a leading digital banking solution provided by PT Bank Central Asia (BCA). The research employs a case study approach and gathers primary data from 30 respondents who are active users of BCA Mobile. Using SPSS for validity testing, the results indicate that the efficiency variable (X1) has a strong and significant positive correlation with improved transaction performance, while the security variable (X2) also contributes positively, albeit to a lesser degree. The findings suggest that an integrated MIS—featuring rapid data access, process automation, and biometric authentication—can substantially enhance operational reliability and customer trust. Moreover, the prototype development model used in this study supports user-centered design iterations to optimize usability and system functionality. The research contributes to digital banking literature by demonstrating how a tailored MIS can support financial inclusion, customer satisfaction, and strategic agility in Indonesia’s competitive banking sector. It also offers practical implications for banks seeking to minimize operational risks and improve service quality through system innovation. This study underscores the significance of continual MIS enhancements to sustain customer confidence and address evolving cybersecurity threats in the digital era.

- The Biometric-Enabled Merchant Payment System introduces a transformative approach to secure, efficient, and user-friendly transactions by integrating biometric authentication into payment processes. This innovative system addresses critical limitations of traditional payment methods, such as cash handling, which is prone to theft and inconvenience, and card-based systems, which are vulnerable to loss, theft, and unauthorized usage. By leveraging the unique properties of biometric data, such as fingerprints, the system enhances security, minimizes fraud, and ensures a seamless user experience. The Biometric-Enabled Merchant Payment System is designed with scalability and affordability in mind, employing readily available hardware and streamlined software solutions. This makes it a viable option for diverse applications, such as retail point-of-sale terminals, public transportation fare collection, vending machines, and corporate cafeterias. Moreover, its offline capabilities enable the system to function effectively in areas with intermittent network connectivity by securely storing transaction data locally and synchronizing with the central server when connectivity is restored. Future enhancements aim to bolster security and functionality. These include incorporating multi-modal biometric authentication (e.g., facial or iris recognition) for enhanced security, improving offline features for greater reliability in connectivity-challenged environments, and integrating blockchain technology for decentralized transaction management. Additionally, features like loyalty programs, balance top-ups, and interoperability with existing mobile payment systems are envisioned to expand user convenience. The Biometric-Enabled Merchant Payment System represents a significant advancement in payment technology, offering a seamless blend of security, efficiency, and convenience. It eliminates the need for cash or cards, simplifies the transaction process, and minimizes the risks associated with traditional payment methods. Key Words: Biometric authentication, Merchant payment, Secure transactions, Fingerprint, Digital payments, Fraud prevention.

The humans have always tried to improve quality of living and technology plays a major role in this cause. Modern technology has been evolving with the emergence of smart technologies. Cash Based transaction involves lot of human effort of withdrawing and then storing the cash. It is also an insecure way of payment involving fears of theft etc… With large amounts of data transfer and e-payment needs, NFC is one of the prime technologies contributing towards fast and secure transmission of electronic signals, data and money. This paper focuses on NFC technology utilisation for a simplified and secure unified transaction system using IOT. Internet of things is a technology of present and future which has its applications in various fields like healthcare, transportation, manufacturing etc… There has already been a lot of research and developments on utilisation of NFC technology for transactions, but we propose a secure wireless transaction system by providing features such as database connectivity and user authentication in the system

This study aims to explore the use of Quice Response Code Indonesia Standard (QRIS) in payment transaction at Car Free Day (CFD) Kraksaan and its impact on Micro, Small and Medium Enterprises (MSMEs). Qualitive research methods were used with a descriptive approach through interviews with Kraksaan CFD traders and visitors who use Qris. The interview results show that QRIS is used by traders to simplify the payment process, imcrease transaction efficiency, and reduce the problem of returns, the use of QRIS is also considered to provide additional security in transactions. Even thought there are several problems related to consumer balaces, the use of QRIS is considered to be optimal. Merchants who have not yet used QRIS are expected to immediately adopt it to expand the reach of payments and increase transaction efficiency. In conclusion, the use of QRIS has a positive impact in increasing the efficiency and security of transactions in CFD Kraksaan, and is expected to provide greater benefits and society as a whole.

In the era of digitalization, the need for innovation in financial management has become increasingly urgent. With the emergence of E-wallets as a digital payment solution, the efficiency and security of transactions have become primary focuses. Therefore, this research plays a crucial role in presenting an innovative solution by designing and developing a mobile application prototype that integrates E-wallet management with Near Field Communication (NFC) technology. The urgency of this research is highlighted by the increasing use of E-wallets, which indicates that digital financial solutions are gaining wider acceptance in society. In this context, the integration of NFC becomes relevant as it offers higher security and enables more efficient transactions. This study aims to address the growing market demand for digital payment solutions that are fast, secure, and user-friendly. The objective is to design and develop a mobile application prototype that not only simplifies E-wallet management but also leverages the advantages of NFC technology. The goal is to provide users with a more convenient and secure transaction experience. Thus, this research is expected to increase the adoption of E-wallets among the general public. The result of this research is a mobile application prototype integrated with NFC technology for E-wallet management.

The unprecedented growth of the volume of mobile data calls for novel approaches that improve the sharing of data allowances among mobile users with diverse needs. Specifically, the Wi-Fi hotspot function of current smartphones allows mobile-to-mobile offloading, but requires fast and efficient transactions between mobile users. Thus we propose an auction-based approach to allow the transfer of data allowances between mobile users with excess and deficits of data allowances, together with a cognitive approach to access the needed information about the system. The objective is to optimize the income of “sellers” and satisfy the needs of the other mobile users. Analytical and simulation results are presented, showing that by taking advantage of mobile users’ behaviors, and of varying demands of data allowance selling and buying, the cognitive auction and data allocation mechanism can significant improve the overall performance of the mobile data allowance transaction system.

The transformation of digital payment systems through blockchain technology has brought new challenges and opportunities in the development of secure, efficient, and decentralized crypto tokens. One emerging approach is the use of smart contract-based tokens, such as ERC-20 tokens running on the Ethereum network. This research proposes the design and implementation of the SDSPay (SDS) token as a prototype Ethereum-based ERC-20 token, with a modern smart contract approach to meet the needs of a more efficient and secure digital payment system. The SDS token adopts the basic ERC-20 standard but is equipped with advanced features that enhance functionality and security, such as role-based access control (RBAC) to regulate access and control over transactions, pauseable transactions to pause transactions if necessary, and compatibility with EIP-2612 permits that enable more efficient transaction authorization in terms of gas. These features are designed to improve the efficiency and security of transactions on blockchain networks, thus enabling the use of tokens in a more reliable digital payment system. The SDS token prototype was tested on the Sepolia Testnet using Remix IDE and MetaMask to develop and manage smart contracts. Additionally, a static security audit was conducted using Slither Analyzer to detect potential vulnerabilities. The test results showed that the SDS token was successfully deployed and performed well, with an average transaction time of 10–12 seconds and stable gas fees. The Slither audit also found no significant vulnerabilities, indicating that the smart contract structure adheres to security best practices. This study confirms that the development of standardized smart contract-based tokens can be carried out using an efficient, reliable, and replicable methodology for other applications in future blockchain-based payment systems. This implementation of the SDSPay (SDS) token can serve as a foundation for designing secure and efficient digital payment systems, paving the way for the broader development of blockchain technology.

In the rapidly evolving digital era, leveraging advanced technologies to enhance the online shopping experience has become crucial, especially for small and medium-sized enterprises (SMEs) aiming to compete in the global market. This research focuses on optimizing the shopping experience by integrating Augmented Reality (AR) and Payment Gateway technologies into a storefront platform specifically designed for women's clothing SMEs. The study begins with a comprehensive analysis of market trends, customer behavior, and the challenges faced by SMEs in adopting these technologies. A detailed literature review provides the foundation for developing a robust conceptual framework. The prototype development phase involves designing 3D models using CLO | 3D Fashion Design Software, converting these models into AR experiences with Meta Spark Studio, and integrating the Midtrans Payment Gateway using Laravel. The AR feature enables users to virtually try on clothes via Instagram, while the Payment Gateway ensures quick and secure transactions. The final phase involves rigorous functional and substantive testing, focusing on user experience, transaction efficiency, and overall system performance. Results demonstrate that the integrated prototype significantly enhances the shopping experience, providing seamless AR interactions and efficient payment processing. Users reported high satisfaction levels with the system's usability and security. The study concludes that integrating AR and Payment Gateway technologies into SME storefronts can substantially improve their competitiveness in the digital market, offering practical insights and guidelines for future implementations in the e-commerce sector.