Conducting Online Transactions Research Articles

Credit Card Fraud Detection By IJISRt

While credit card fraud and abuse are the way becoming more common, the convenience using of there credit for the way online purchases has also improved. These fraudulent activities pose a severe financial danger to both credit the are card users and way they using it financial institutions. The first thinking aims to do of this research project is to recognize and put an end to these kinds of fraudulent activities. It addresses a broad range of subjects, including the frequency of false positives, imbalanced datasets, evolving fraud trends, and restricted public data access. The literature now under publication offers a range of machine learning-based methods, including logistic regression, decision trees, random the forests, support to the vector of the +machines, and XG Boost, with the purpose of identifying credit card fraud. However, these methods often exhibit lower accuracy rates, highlighting the need for more advanced deep learning algorithms in order to effectively lower fraud losses. Therefore, the of way they primary thinks objective of this is to improve fraud detection abilities through which the way this application most be of state- of-the-art deep learning algorithms. An assessment way it should be of the research project reveals better outcomes, including optimized AUC curves, precision, f1-score, and accuracy. The ultimate objective there are is to create models that will greatly improve credit card fraud detection and prevention. This research focuses on advanced deep learning techniques in to the way it is order they provide the to more reliable and accurate fraud detection mechanisms, enhance security for credit card users, and lower financial risks for financial institutions when conducting online transactions.

Досвід необанкінгу в країнах Азійсько-Тихоокеанського регіону

The trend towards the development of neobanking has swept almost the entire world, changing traditional banking and shaping the offer of digital financial services. The Asia-Pacific region is characterized by the dynamic spread of neobanking, which is significantly facilitated by the demographic situation and the increase in the number of technology companies with a corresponding increase in the number of IT devices. The use of fintech services in the Asia-Pacific region is growing dynamically. The leaders in terms of growth rates are China, Hong Kong, Singapore, and South Korea. According to current forecasts, another 663 million people in the Asia-Pacific region will start using mobile Internet by 2025, which will contribute to the further development of neobanking. The number of neobanks in the Asia-Pacific region lags behind the countries of Europe and the United States, but their number is growing at a much faster pace. Despite the constant growth in the number of consumers of neobank services in the region, there are also constraints that hinder growth. These include: lack of trust in services of the new format, reluctance to change the provider of financial services, and lack of information about the capabilities of neobanks. Also, in some areas, there is virtually no stable access to the Internet, this becomes another obstacle to the activities of neobanks. The number of neobank users in the Asia-Pacific region is constantly growing – from 2.9 million people in 2017 to 22.8 million people in 2021. In each market of Southeast Asia, regulatory authorities have their own specifics of regulating the activities of neobanks, regulations vary significantly depending on the country. As a result, the range of services provided by neobanks in the countries of the region is different: from a full range of banking services to a narrow specialization in servicing small business owners. Further prospects for the development of neobanking in the countries of the Asia-Pacific region depend on the following main factors: State regulation of the banking sector; technical capabilities of neobanks to personalize financial services, process large amounts of data and conduct online transactions; competition or cooperation with traditional banks. There is already a tendency in the world for traditional banks and neobanks to search for mutually beneficial options for cooperation. For example, P2P lending and P2B lending, in which traditional banks are trying to participate, teaming up with neobanks. Neobanking is also supported by the issue that modern bank customers are less and less inclined to visit physical bank branches to conduct financial transactions. It is concluded that although there is a significant number of the population not covered by banking services, the development of neobanking in the Asia-Pacific region is proceeding at a rapid pace, which is facilitated by demographic indicators, high rates of economic growth, and cooperation with traditional banking institutions. Malaysia, Indonesia, the Philippines, Vietnam, India, and Thailand have the greatest potential for the development of neobanking.

Perlindungan Data Pribadi dalam Kegiatan Peer to Peer Lending

Purpose: The research objective to be achieved in this study is to determine the protection of personal data in peer to peer lending activities. In this data analysis technique, researchers use research materials in the form of books, journals, documents and research results obtained from a literature review. Methodology: In the data analysis technique, the data obtained will be analyzed using qualitative methods. The qualitative method is observing in their environment by interacting and trying to understand language and interpretations of the world around them. Results: Information technology-based service providers through online, have an obligation to meet personal data protection standards. Protection of personal data is one of the most important things in conducting online transactions, because personal data is related to user security. Limitation: This research contributes to the government and the community must be able to act more thoroughly, meticulously and have a prudent nature, especially when carrying out technology-based lending and borrowing services. Contribution: It is hoped that this law will become a strong legal umbrella for the management and protection of citizens' personal data and government administrators.

The Effect of e-Wallet Among Youth in Penang

In the 21st century, cashless transactions are made feasible by the widespread use of the internet, which is a result of the technological advancements that have occurred since the internet's inception. The e-wallet system is furnished with one-of-a-kind payment features that enable buyers to conduct online transactions without using physical currency and with a single tap on their mobile device. Therefore, this study is carried out to determine the effects of e-Wallet among youths in Penang, Malaysia. The population for this research involved below 18 to 24 and above years old individuals from Penang that have or had use e-Wallet in their daily life. Total 380 respondents were selected for this research using random sampling techniques from various races, occupations, and background to enrich the data of this research in Penang. The method used in this research is quantitative method with a set of questionnaires using platform “Google Form” to collect research data from the respondents. The analysis used in this research is descriptive analysis and correlation analysis. The result shows that the main factors respondents use the e-wallect is because they use it to pay the utilities. For the effect of e-Wallet usage, the respondents highly rely on their phone when making payment, so that they can track all their expenses easily. This study suggests that future researchers can identify the factors to develop a more personalized e-Wallet application for smartphone users.

Web-Based Antam Gold Savings and Pawn Calculation Application

The demand for a user-friendly website that enables the withdrawal of funds from gold savings accounts at Pegadaian has experienced substantial growth amidst the ongoing epidemic. Due to its inherent value and stability, gold assumes particular significance in times of economic uncertainty, allowing individuals to liquidate their savings when necessary. The old approach entailed the manual input of customer information through Excel, which consequently required face-to-face interactions for payment processing. Nevertheless, a significant shift has transpired through the integration of an internet-based platform, facilitating the provision of personal data by clients and thereby establishing virtual profiles to conduct online transactions. Implementing this transformation has resulted in a more streamlined process, enhancing efficiency and improving accessibility for clients.
 The research methodology employed for this project is descriptive, encompassing direct field observations. Furthermore, the system employs the Object-Oriented Analysis and Design (OOAD) methodology to analyze and design the system. The main objective is to develop a system that streamlines the procedures of gold pawning and online savings for consumers. The data input process utilizes the PHP programming language, whereby the data is safely stored within a MySQL database. The integration of these elements guarantees a system that is both secure and efficient, effectively addressing the requirements of both customers and administrators.

KOMUNIKASI PERSUASIF PEDAGANG ONLINE TERHADAP PERUBAHAN KEBIASAAN BERBELANJA PADA MASYARAKAT SUMBAWA

The research aims to understand the persuasive communication used by online traders as the cause of changing online shopping habits. This research uses a qualitative descriptive research approach. Data collection techniques using interviews, observations and documentation. Information is determined based on purposive sampling techniques. Case studies in the study include online shop DS Kuline, Yumna Official, and HUG Florist & Furniture Store. The results of the research showed that online salespeople's communication process using the persuasive communication strategy they implemented can influence prospective buyers to conduct online transactions, according to the Computer Mediated Communication (CMC) Theory, which contains six dimensions: accessibility (range), speed (information speed), amount (information quantity), cognitive effectiveness (effectiveness), relevance (information suitability), and motivating dimensions. The theory of Computer Mediated Communication (CMC) is quite effective in influencing consumers in online transactions.

The Impact of Covid-19 on Intentions to Conduct Online Transactions: The Role of Affective and Cognitive

Purpose : We investigate the effect of affective and cognitive factors on online transaction intention during the pandemic covid-19 period. Method : We used an internet-based survey through Google form distributed directly to Indonesian respondents with the following criteria: (1) users who have made e-commerce purchases; (2) users who have made transactions on online platforms such as Shopee, Lazada, Instagram, and others. The final sample comprised of 253 respondents, dominated by 185 female users. We employed WarpPLS based on Structural Equation Modelling (SEM) for testing our hypotheses.
 Findings : We find that cognitive factors, such as perceived ease of use, perceived usefulness, and attitudes towards, have positive effect on online transaction intention. Then, the affective factor, such as perceived enjoyment, positively affects the online transaction intention through cognitive processes, but social norm does not influence the online transaction intention.
 Novelty : Our study contributes to developing literature on Theory Acceptance Modelling (TAM) by highlighting cognitive and affective factors to explain the effect of the pandemic covid-19 on the intention for the online transaction.
 Keywords : Affective; Cognitive; Intentions; Technology Acceptance Model

The Impact of COVID-19 on e-Commerce Through a Systematic Review

The novel coronavirus (COVID-19) has changed the world in a catastrophic way. The impact of COVID-19 brought in regulative measures such lockdown and human movement restrictive regulations; safety precautions needed to be put in place to help people stay safe from the virus infection. Some of the regulation included limiting traveling and implementing lockdown. The business sector was heavily affected and needed a solution immediately. The supply chain needed to continue to function hence the application of e-commerce was the most lucrative opportunity. The purpose of this study was to determine the impact of COVID-19 on e-commerce, both the negative and positive impacts were considered for this study. The suitable and utilised research approach for this study was the systematic review known as the PRISMA Protocol (PRISMA-P). Qualitative research method was chosen for this research paper, using search strings on the Emerald database to collect data. 50 Journal articles from the Emerald Insight database search were identified, these articles were further screened by analysing the title and abstract of the articles to assess their eligibility to be included in the study final analysis. After the eligibility criteria and exclusion process, 4 article were fully assessed and included in the study. This process of exclusion was done through the Mendeley website and the captured in the PRISMA flow diagram. The research findings indicate a correlation between the proliferation of the COVID-19 pandemic and the profitability of businesses conducting online transactions. Findings further indicate that COVID-19 improved digitisation, online shopping, and sales. In conclusion, this study has shown ways in which the e-commerce industry benefited from Covid-19, highlighting on the increase in sales and the use of digital platforms. Also, the novel coronavirus led to the increased digitisation of business processes and services.

Legal Review of Cases of Defective Goods in Online Shopping Transactions through E-Commerce Platforms

This journal discusses how the legal protection review relates to losing goods or money in online transactions. In this digital era, online transactions that are increasingly popular have become part of people's daily lives, so strong legal regulations are needed to avoid scamming and other losses. This research aims to increase public awareness of conducting online transactions because we know that in online transactions, we cannot know whether the goods sold by the seller are true or not. The research method of this journal uses the Library Method by using primary and secondary study materials, such as articles, journals, and others, and a Normative Juridical approach. The conclusion of the research states that online fraud in the form of defects in ordered goods is very common, and the majority of people affected by scamming do not know what actions to take to get their rights in the transaction other than contacting the admin of the online shop or customer service from an e-commerce company

A survey on blockchain for intelligent governmental applications

Blockchain technology has attracted a lot of attention lately because it is seen as an all-purpose method for conducting online transactions between unidentified parties without the need for a centralized authority. Modern developers and businesspeople think it will disrupt or even change both the government and industry. In this setting, government-focused blockchains are becoming increasingly prevalent. Several recent studies highlighted use cases in the public sector for decentralized information infrastructures. Blockchain is expected to revolutionize or at least simplify many governmental functions. However, because blockchain use has yet to be widely adopted in government or industrial settings, the question arises: what are the technical hurdles impeding blockchain adoption? To that purpose, a systematic literature assessment of 29 academic articles investigating software engineering problems in blockchain technology for government applications has been done. The papers are initially inductively analyzed in order to illustrate and identify the issues frequently highlighted in academic literature. Furthermore, a theoretical framework is discussed by relying on models used in traditional software development, which is then followed by deductive analysis to map out the blockchain use cases and future trends connected to the difficulties.

Unincorporated Merchant: How Does the Law Protect Consumers in Electronic Commerce?

Currently, electronic commerce (e-commerce) is a platform that allows merchants and consumers to easily conduct online transactions. Nonetheless, there are a lot of e-commerce business actors who do not yet have legal entity status. The purpose of this research is to discover and examine rules pertaining to e-commerce merchants who are not incorporated, as well as what portions of consumer legal protection are available to consumers. This doctrinal legal research uses statutory and conceptual approaches. The results of the study show that regulatory provisions for e-commerce business actors who are required to be legal entities (incorporated) have been contained in regulations issued by the Minister of Trade, while e-commerce business actors who are not legal entities are regulated in various regulations such as the Law on Electronic Information and Transactions, the Consumer Protection Act, and the Trade Quiet Act. However, the regulation does not explicitly contain e-commerce obligations for legal entities. In fact, the legality of business actors is highly recommended because it guarantees legal protection for consumers if they experience losses in the future. In addition, it is also a potential source of income for countries with tax schemes. Based on this, it is suggested that the government immediately draw up specific regulations so that every e-commerce business actor is not given any other choice but to have a legal entity. It is also necessary to stipulate strict sanctions against unincorporated business actors and result in losses to consumers.

Consumer Attitude Towards Online Shopping of Apparels

Objective: The objective of this study is to investigate the perspective of shoppers towards the online purchase of clothing items. The research aims to identify the factors that influence consumers in the realm of electronic commerce, and to examine the correlation between e-satisfaction and e-loyalty. Given that the internet has emerged as a platform for conducting online transactions, it is imperative for companies to comprehend the consumer perception of online shopping and to determine the marketing strategies that can be employed to attract consumers.
 Methodology: Quantitative data was generated on the basis of the research instrument (Questionnaire) to test the research hypothesis. The date gathering was carried out by the survey which was sent online to 200 rand only reflected consumer is from which 101 responded. The data has been analysed through SPSS software.
 Finding: This study identifies what the factors influencing the online shopping decision of students research has shown an interest in investigating consumer motivations that affect the online shopping behaviour the objective of this study is to measure the student perception on different factors relate to online shopping which motivates the student to decide or not to decide to buy online.

The Role of Benefits and Convenience on Consumer Interest in Online Transactions in Bukalapak

The purpose of this study is to investigate how perks and convenience affect consumers' intentions to continue doing business online. Students from several Surabaya tertiary universities who used the Buka Bukalapak website to conduct online transactions made up the research respondents. Multiple regression analysis is utilized to evaluate the presented hypothesis, with benefits and convenience acting as independent variables and interest in continuing online transactions acting as a dependent variable. The findings demonstrated that the advantages and ease had a notable favorable impact on the desire to continue online transactions on the Buka Bukalapak website. This demonstrates that the greater the benefits of conducting business on the Bukalapak website and the greater the consumer's comfort level with conducting business on the Bukalapak website, the greater the consumer's interest in conducting business again

K-Nearest Neighbor and Naive Bayes Classifier Methods for Expedition Service Comparison Analysis of User Sentiments


 
 
 
 Depending on the service chosen, expedition is one of the freight forwarding companies that operate in the domestic market. The availability of expedition services can make it easier for traders to transfer items to purchasers who conduct online transactions, as well as encourage shipping businesses to collaborate with online dealers. The JNE, JNT, and Pos Indonesia excursions were utilized in this study. The goal of this project is to develop an analytical model that will make it simpler for online merchants to find collaborators for effectively and securely transporting their goods. Based on user sentiment on the social networking site Twitter, this study uses sentiment analysis. With the keywords "JNT, JNE, and Pos Indonesia," this study compares the accuracy results using the Naive Bayes Classifier (NBC) and K-Nearest Neighbor (KNN) algorithms. According to this study, testing accuracy for the NBC method was 80% and training accuracy was 83%. While the accuracy of the KNN approach is 68%. According to public opinion, the JNE expedition is the best one for distributing products, scoring 68.58% in favor of it and 30.64% against it.
 
 
 
 

Analysis of Buyer Trust in Web E-Commerce Shop and Travel

The development of information technology is increasing rapidly until now the latest technologies are being developed so that the role of technology can also improve the regional economy. Economic growth and technological developments in the business world have developed very rapidly, marked by the emergence of companies that are trying to create products and services to meet consumer needs. Business development illustrates that people's welfare is increasing, thus causing an increase in people's purchasing power. This study aims to develop a research model that uses Kim's approach model by representing based on Trust, Benefit, Risk, Intention and Purchasing with this model so that factors can be identified. anything that influences public trust to conduct online transactions (E-commerce), especially on web shops and travel.

Secure Electronic Commerce Transactions Using Pythagorean Triple-based Cryptography and Audio Steganography

The rapidly increasing utilization of Information Technology (IT) in electronic commerce and other aspects of human existence has led to a rise in worries about the privacy and safe-ty/security of those involved. Due to the alarmingly high frequency with which data or user privacy breaches occur today, conducting online transactions can represent a major threat to buyers (and even business owners') privacy. Existing solutions to these security issues are still vulnerable to classic phishing scams. As a result, the construction of a robust and effi-cient audio steganography system for secure electronic commerce transactions is presented in this work. The developed system first encrypts sensitive financial data using the Pythagorean Triple-based Cryptographic (PTC) algorithm, then compresses the resulting cipher-text using the Lempel Ziv Welch (LZW) and Huffman's Compression Algorithms, and finally embeds the compressed file (using one-dimensional Discrete Cosine Transform (DCT)) in a suitable audio-file cover to produce an output (stego file) that is indistinguishable from the cover file. This output can then be exchanged between communicating entities across open networks. The new system has a little or no alteration in its outputs, as evidenced by the Signal-to-Noise Ratio (SNR), in the experimental results gotten.

Legal Protection of the Parties in Online Electronic Business Transactions

Information and communication technology has developed so widely and has a direct impact on providing convenience for people in Indonesia. One of the impacts felt by the community from technological developments can be seen through the increasing number of economic activities that use the internet as a medium for transactions carried out electronically. E-commerce or what is often referred to as electronic transaction is a trading activity carried out online by business actors and consumers in conducting trading activities. Electronic transactions have both good and bad effects on the parties involved. Both consumers and business owners are entitled to legal protection for their losses. This study aims to examine the legal arrangements in electronic business transactions through e-commerce and disclose legal protection for the parties if there is an act of fraud or violation during an electronic business transaction. The problems raised in this study are how the legal protection for the parties in electronic business transactions and what are the legal problems faced by consumers in conducting electronic business transactions. The writing method in this study uses a normative legal analysis method and uses a legal approach related to the rights of the parties, the obligations of the parties, the prohibitions of business actors and the responsibilities of the parties in conducting online transactions. The results of this study indicate that legal protection for parties in electronic business transactions or e-commerce includes legal protection for consumers in the form of: compensation for losses suffered by consumers as regulated in legislation and legal protection for business owners in the form of money advanced by consumers who have entered online transactions. In terms of civil law, legal protection for the parties includes three main principles in making and implementing an agreement, namely a) the principle of freedom of contract or an open system, b) the principle of consensualism, c) the principle of good faith

E-DAGANG: KONTRAK DAN TRANSAKSI

With the recent emergence of globalisation, many people including Malaysians are widely using the online platform to conduct online transactions known as e-commerce. E-commerce did not require the sale and purchase transaction to be done face-to-face, in fact, by having an Internet connection, the contractual parties are then able to transact. The increase in the online sale and purchase transactions are in line with the increase in the numbers of internet users day-by-day. The objective of this research is to refine further and discuss the concept of e-commerce from the perspective of online contract and online sale and purchase transaction. This research is done using a qualitative measure through literature review and descriptive method whereby the highlights of previous studies involving e-commerce and e-contract are thoroughly discussed. The research outcome portrays a vast evolution of e-commerce from when it was first introduced causing e-contract to be widely used. Thus, it can be said that a contract made online or e-contract is valid under the law of Malaysia so long as it doesn’t contravene with the existing laws.

ANALISIS PEMBUATAN KONTRAK JUAL BELI ONLINE DALAM TRANSAKSI E-COMMERCE DITINJAU DARI UNDANG-UNDANG INFORMASI DAN TRANSAKSI ELEKTRONIK

The rise of Internet and social media users in Indonesia has made e-commerce (online) business transactions grow. The increasing number of buying and selling online indirectly also has an impact on the development of the rule of law. In running an online business or conducting online transactions, there are several legal aspects of e-commerce and buying and selling online or electronically that must be known. Online transactions are usually interpreted as electronic contracts, namely legal ties or relationships that are carried out electronically which combine networks of computer-based information systems with systems. Online buying and selling was born because of a buying and selling contract that occurs electronically between the seller and the buyer. However, until now the rules of electronic buying and selling are still not clearly written in the law that applies in the territory of Indonesia. This is because the legal terms of electronic agreements have not been specifically regulated. In principle, the rules are contained in the Civil Code, which is a reference in making contracts for online buying and selling transactions. As long as this contract is made in compliance with the 4 legal terms of the agreement referred to in the Civil Code, the online transaction contract can be considered valid and binding on sellers and buyers.

Legal Protection Against Consumer on Online Transaction Fraud

In this modern era, technology is increasingly being utilized and used for various purposes, such as for conducting online transactions. Online transactions are increasingly being used by people because they are easy to use and can be done at any time. But on the other hand, violations of consumer rights still often occur due to fraud by business actors. Online transaction is virtually and between consumers and business actors don’t know each other, so the trust system becomes the main things in every online transaction and is very vulnerable to fraud. Indonesia has regulated consumer protection as stipulated in Law Number 8 of 1999 concerning Consumer Protection, the facts on the ground are that there are still many consumers who are harmed and don’t get justice. This study, it is expected to be able to answer the formulation of the problem, there is How is the legal view of Consumer Protection against online fraud victims and how to resolve disputes. This study uses a qualitative descriptive research method with a sociological juridical approach. The results of this study, although it is guaranteed by the Consumer Protection Act, many respondents do not get their rights to receive compensation and in terms of resolving consumer disputes or the parties concerned can take court or out of court according to the agreement of the parties, however alternative online dispute resolution can be implemented in full.