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All Journal Journal of Hypermedia & Technology-Enhanced Learning
Ridho Hakiki
Faculty of Engineering, Universitas Negeri Padang
Computer Science & IT Education Electrical & Electronics Engineering Engineering Social Sciences Other

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Smart Financial Management for Cooperatives: A Web and Payment Gateway Integration Approach Ridho Hakiki; Vera Irma Delianti; Rizkayeni Marta; Juan Luis Cabanillas-García; Vladislav Deyanov Slavov; Siti ‘Afiat Jalil
Journal of Hypermedia & Technology-Enhanced Learning Vol. 3 No. 1 (2025): Digital Revolution
Publisher : Sagamedia Teknologi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58536/j-hytel.161

Abstract

This study introduces a web-based application for savings and loan cooperatives, integrating a payment gateway to streamline financial transactions and improve operational efficiency. Developed using the waterfall methodology, the application enables members to deposit savings, apply for loans, and make installment payments online. Key features include automated financial reporting, secure transaction processing, and accessibility for cooperative managers and members. Black-box testing validated that the system met all functional requirements, ensuring reliable and secure operations. The application reduces operational workload, improves service quality, and supports real-time financial transparency by automating administrative tasks and offering multiple payment options—such as bank transfers and e-wallets. This solution demonstrates significant potential for transforming cooperative financial management by providing a scalable, user-friendly, and secure platform that enhances member services and promotes operational sustainability.
Co-Authors Juan Luis Cabanillas-García Rizkayeni Marta Siti ‘Afiat Jalil Vera Irma Delianti Vladislav Deyanov Slavov