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p-Index From 2021 - 2026
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All Journal Aptisi Transactions on Management AI, Innovation, and Resilience for the Environment Journal
Lily Maria Evans
Pandawan Incorporation
Computer Science & IT Decision Sciences, Operations Research & Management

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Blockchain Financial Identity for Inclusive Access in Developing Nations Sutama Wisnu Dyatmika; Untung Rahardja; Muhtarom Muhtarom; Dwi Nur Ramadhan; Po Abbas Sunarya; Lily Maria Evans
APTISI Transactions on Management (ATM) Vol 10 No 2 (2026): ATM (APTISI Transactions on Management: May)
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/atm.v10i2.2621

Abstract

The absence of formal financial identity remains a significant barrier to financial inclusion in developing nations, limiting access to essential financial services. Traditional centralized identity systems are often vulnerable to data breaches, fraud, and institutional control, resulting in low public trust. This study aims to explore how blockchain-based identity systems, particularly through the concept of Self-Sovereign Identity (SSI), can address these limitations. The research adopts a qualitative case study approach by analyzing multiple blockchain-based digital identity initiatives across developing regions. The findings reveal that blockchain-enabled SSI enhances data security, transparency, and user autonomy, while improving accessibility to financial services. The key contribution of this study lies in identifying the integration of decentralized identity frameworks as a sustainable solution to strengthen financial inclusion and institutional trust. However, challenges such as infrastructure limitations, scalability issues, and regulatory uncertainty remain critical barriers. This study provides both theoretical insights and practical implications for policymakers, developers, and financial institutions in implementing secure and inclusive digital identity systems.
A Quantitative Analysis of Blockchain-based Data Breach Prevention Lidya Agustine Senduk; Ihda Nur Fathiyah; Ersa Aura Anastasya; Lily Maria Evans
AI, Innovation, and Resilience for the Environment (AIR) Vol. 1 No. 1 (2026): AI, Innovation, and Resilience for the Environment (AIR) Journal
Publisher : Sinar Mentari Sundara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.68012/air.v1i1.119

Abstract

This paper presents a quantitative analysis of Blockchain-based Data Breach Prevention systems, addressing the critical and escalating challenge of data security in centralized databases (Background). The persistent threat landscape, marked by increasingly sophisticated cyberattacks and significant financial losses resulting from data breaches, necessitates a fundamental shift in defensive architecture, moving toward decentralized, immutable solutions. The Object of this research is to rigorously evaluate the efficacy and operational overhead of integrating a permissioned blockchain (specifically, using a Hyperledger Fabric implementation) as a supplementary, tamper-proof audit and integrity layer for traditional SQL databases, compared against existing, purely centralized data breach detection and prevention mechanisms. We introduce a novel simulation framework to model various attack vectors, including unauthorized data modification and logging manipulation, across two distinct environments: a control group utilizing standard access controls and logging, and an experimental group augmented with the blockchain-based system (Method). Key performance indicators such as Mean Time to Detection (MTTD), Immutability Assurance Score (IAS), and transaction throughput overhead are measured, analyzed, and statistically compared. The Result demonstrates that while the blockchain integration introduces a negligible latency overhead (under 5% increase in transaction time), it achieves a 100% Immutability Assurance Score for audit logs and a 95% reduction in MTTD for data integrity violations compared to the control group. This high level of verifiable data integrity and swift detection capabilities fundamentally transforms the security posture. Therefore, the Conclusion is that blockchain technology serves as a highly effective, quantifiable defense mechanism that significantly mitigates the risk and impact of data breaches by ensuring cryptographically verifiable log and data integrity, establishing it as a promising paradigm for next-generation data security infrastructure.
Co-Authors Dwi Nur Ramadhan Ersa Aura Anastasya Ihda Nur Fathiyah Lidya Agustine Senduk Muhtarom Po Abbas Sunarya Sutama Wisnu Dyatmika Untung Rahardja