[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-121531-id":3,"doc-seo-121531-113":31,"detail-sidebar-cat-0-id-113":96},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":4,"category_id":11,"category_name":12,"doc_title":13,"doc_description":14,"doc_content":15,"file_id":16,"file_url":17,"file_type":18,"file_size":19,"view_count":20,"is_deleted":4,"is_public":21,"is_downloadable":21,"audit_status":21,"page_count":22,"language":23,"language_code":24,"site_id":25,"html_lang":24,"table_of_contents":26,"faqs":27,"seo_title":28,"seo_description":14,"update_tm":29,"read_time":30},121531,962085571259,"Theodora","https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0",54,"Penelitian & Laporan","Implementasi Model Pendekatan Machine Learning untuk Deteksi Fraud pada Transaksi Pembayaran Digital","Penelitian ini menerapkan pendekatan machine learning untuk mendeteksi fraud pada transaksi pembayaran digital di platform Paper.id. Metode yang digunakan adalah Research and Development (R&D) dengan model pengembangan CRISP-DM yang mencakup business understanding, data understanding, data preparation, modeling, evaluation, dan implementation. Analisis dilakukan melalui eksplorasi data, feature engineering, serta teknik anomaly detection dan analisis jaringan. Hasil menunjukkan kemampuan signifikan untuk mengenali pola transaksi mencurigakan seperti kolusi antar pengguna, penyalahgunaan promosi, dan transaksi tidak wajar lainnya, sehingga meningkatkan akurasi, efisiensi pemrosesan, serta keamanan data dan kepercayaan pengguna.","Volume 4 Number 3, Page 362-375, 2025  \nExpensive | JurnalAkuntansi  \nOnline ISSN: 2829-4807–Print ISSN: 2829-5609  \nImplementasiModel Pendekatan Machine Learning untukDeteksi Fraud pada TransaksiPembayaran  \nDigital Paper.Id  \nLeoni Safira Syah Husin1, Elmira Febri Darmayanti2, Jawoto Nusantoro3*  \n1,2,3 Universitas Muhammadiyah Metro, Lampung, Indonesia  \nE-mail:  [leonysafira03@gmail.com](leonysafira03@gmail.com1)[1](leonysafira03@gmail.com1))  \n[efdarmayanti@gmail.com](efdarmayanti@gmail.com2)[2](efdarmayanti@gmail.com2))  \n[jawoto46@gmail.com](jawoto46@gmail.com3)[3](jawoto46@gmail.com3)*)  \nARTICLE INFO  \nArticle history: Received 20 Januari 2025  \nReceived in Revised 27 April 2025  \nAccepted 30 September 2025  \nKeyword’s :  \nMachine Learning, Fraud Detection, Digital Transactions, Anomaly Analysis.  \nA B S T RA C T  \nThis study aims to apply a machine learning approach in detecting fraud in digital payment transactions in the [Paper.id](Paper.id) platform. The study was conducted using the Research and Development (R&D) method with the Cross-Industry Standard Process for Data Mining (CRISP DM) development model, which consists of six main stages, namely business understanding, data understanding, data preparation, modeling, evaluation, and implementation. The analysis process involves data exploration, feature engineering, and the application of anomaly detection techniques and network analysis. The results of the study show that the application of the machine learning approach is significantly able to identify suspicious transaction patterns such as collusion between users, misuse of promotions, and other unusual transactions. The implementation of this system is expected to improve the accuracy of fraud detection, efficiency of transaction data processing, and strengthen data security and user trust in the Paper.id platform.  \nPenelitian ini bertujuan untuk menerapkan pendekatan machine learning dalam mendeteksi fraud pada transaksi pembayaran digital [di](di platform Paper.id)[ platform Paper.id](di platform Paper.id). Penelitian dilakukan menggunakan metode Research and Development (R&D) dengan model pengembangan Cross-Industry Standard Process for Data Mining (CRISP-DM), yang terdiri dari enam tahapan utama yaitu pemahaman bisnis, pemahaman data, persiapan data, pemodelan, evaluasi, dan penerapan. Prosesanalisis melibatkan eksplorasi data, rekayasa fitur (feature engineering), dan penerapan teknik deteksi anomali serta analisis jaringan (network analysis) . Hasil penelitian menunjukkan bahwa penerapan pendekatan machine learning secara signifikan mampu mengidentifikasi pola transaksi mencurigakan seperti kolusi antar pengguna, penyalahgunaan promosi, dan transaksi yang tidak wajar lainnya. Implementasi sistem ini diharapkan dapat meningkatkan akurasi deteksi fraud, efisiensi pemrosesan data transaksi, serta memperkuat keamanan data dan[kepercayaan pengguna terhadap](kepercayaan pengguna terhadap platform Paper.id)[ platform Paper.id](kepercayaan pengguna terhadap platform Paper.id).  \nExpensive : Jurnal Akuntansi dan Keuangan  \nWebsite : [https://scholar.ummetro.ac.id/index.php/expensive](https://scholar.ummetro.ac.id/index.php/expensive)  \nThis is an open access article distributed under the terms of the Creative Commons Attribution 4.0 International License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.  \n* Corresponding author. Telp.: +6281-0000-0000; fax: +0-000-000-0000.  \n[E-mail address:](E-mail address: jawoto46@gmail.com)[ ](E-mail address: jawoto46@gmail.com)[jawoto46@gmail.com](E-mail address: jawoto46@gmail.com)  \nPeer review under responsibility of Expensise: Journal of Accounting and Finance. 2829-4807.  \nPENDAHULUAN  \nPerkembangan teknologi informasi yang pesat dalam beberapa dekade terakhir telah memberikan dampak signifikan terhadap berbagai sektor, salah satunya adalah sektor keuangan digital. Penerapan sistem pembayaran","cbCaibYnUMeUPiaM","https://ap.wps.com/l/cbCaibYnUMeUPiaM","pdf",418506,3,1,14,"Indonesian","id",113,"# Pendahuluan\n## Latar belakang perkembangan teknologi pembayaran digital\n## Risiko fraud pada transaksi digital dan kebutuhan deteksi real-time\n## Gambaran Paper.id dan urgensi sistem pendeteksian","[{\"question\":\"Apa tujuan utama penelitian ini?\",\"answer\":\"Penelitian ini bertujuan menerapkan pendekatan machine learning untuk mendeteksi fraud pada transaksi pembayaran digital di platform Paper.id.\"},{\"question\":\"Metode dan model pengembangan apa yang digunakan?\",\"answer\":\"Penelitian menggunakan metode Research and Development (R\\u0026D) dengan model pengembangan CRISP-DM yang terdiri dari enam tahap: business understanding, data understanding, data preparation, modeling, evaluation, dan implementation.\"},{\"question\":\"Teknik analisis apa yang diterapkan dalam proses penelitian?\",\"answer\":\"Proses analisis meliputi eksplorasi data, feature engineering, penerapan anomaly detection, dan analisis jaringan (network analysis).\"},{\"question\":\"Hasil apa yang diharapkan dan bagaimana dampaknya?\",\"answer\":\"Sistem diharapkan meningkatkan akurasi deteksi fraud, efisiensi pemrosesan data transaksi, serta memperkuat keamanan data dan kepercayaan pengguna pada platform Paper.id.\"}]","Implementasi Model Pendekatan Machine Learning untuk Deteksi Fraud pada Transaksi Pembayaran Digital | 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tujuan utama penelitian ini?","Question",{"text":76,"@type":77},"Penelitian ini bertujuan menerapkan pendekatan machine learning untuk mendeteksi fraud pada transaksi pembayaran digital di platform Paper.id.","Answer",{"name":79,"@type":74,"acceptedAnswer":80},"Metode dan model pengembangan apa yang digunakan?",{"text":81,"@type":77},"Penelitian menggunakan metode Research and Development (R&D) dengan model pengembangan CRISP-DM yang terdiri dari enam tahap: business understanding, data understanding, data preparation, modeling, evaluation, dan implementation.",{"name":83,"@type":74,"acceptedAnswer":84},"Teknik analisis apa yang diterapkan dalam proses penelitian?",{"text":85,"@type":77},"Proses analisis meliputi eksplorasi data, feature engineering, penerapan anomaly detection, dan analisis jaringan (network analysis).",{"name":87,"@type":74,"acceptedAnswer":88},"Hasil apa yang diharapkan dan bagaimana dampaknya?",{"text":89,"@type":77},"Sistem diharapkan meningkatkan akurasi deteksi 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