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All Journal Bisman (Bisnis dan Manajemen): The Journal of Business and Management
Novi Sri Sandyawati
Sekolah Tinggi Ilmu Administrasi Bayuangga, Probolinggo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengaruh Machine Learning dalam Mitigasi Risiko Kredit, Deteksi Fraud dan Mitigasi Kerugian Finansial Perbankan Digital Dwi Ermayanti Susilo; Novi Sri Sandyawati; Farasandya Amalia Hapsari
Bisman (Bisnis dan Manajemen): The Journal of Business and Management Vol. 9 No. 1 (2026): Februari
Publisher : Program Studi Manajemen, Fakultas Ekonomi, Universitas Islam Majapahit, Jawa Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/bisman.v9i1.4616

Abstract

This study aims to analyze the effect of Machine Learning (ML) adoption on the effectiveness of credit risk mitigation and fraud detection in the digital banking sector, focusing on Bank Jago for the 2024-2025 period. The increasing digital transaction phenomenon demands a more precise security and risk management system than conventional methods. Using a quantitative approach with simple linear regression analysis through SPSS, this study examines the effect of ML Adoption (X) on three dependent variables: Non-Performing Loan Ratio (Y1), Fraud Detected (Y2), and Prevented Losses (Y3). The results show that ML Adoption has a significant negative effect on the NPL Ratio. Furthermore, ML has a strong positive significant effect on fraud detection and the value of prevented losses. These findings support Stewardship Theory, where management uses intelligent technology as an instrument to protect customer interests and maintain the company's financial stability. This study concludes that ML integration is a key determinant in maintaining the health of assets and the security of the digital banking ecosystem in the future.
Co-Authors Dwi Ermayanti Susilo Farasandya Amalia Hapsari