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Journal : journal of informatics and telecommunication engineering

Analysis Of Mobile Banking User Activity Based On Transaction Time Clustering Using Self-Organizing Map (SOM) Method Syah Putra Lubis, Fachrurrozi; Amalia; Erna Budhiarti Nababan
JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING Vol. 9 No. 1 (2025): Issues July 2025
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jite.v9i1.15503

Abstract

The rapid growth of mobile banking services in Indonesia demands a deeper understanding of user behavior, especially in terms of time and transaction patterns. However, the challenge is how to effectively cluster users based on their time habits in making transactions, so that service strategies can be tailored accordingly. To address this issue, this study applies the Self-Organizing Maps (SOM) method to cluster users based on transaction time features, such as the number of transactions in the morning, afternoon, evening, night, and the division between weekdays and weekends. The dataset used includes 87,361 mobile banking users throughout 2023. The results showed that the SOM method was able to form nine different user behavior clusters, with the largest cluster being Early User (Weekday) consisting of 32,324 users (37.0%). Overall, the Early User (Weekday) segment covers about 60.3% of the user population. Meanwhile, there are also minority segments such as Night Owl (Weekday) (5.9%) and Early User (Weekend) (2.7%) that show unique behavior patterns. The model performance evaluation resulted in a Quantization Error (QE) value of 0.339 and Topographic Error (TE) of 0.066, both on validation data and test data, indicating that the clustering results are quite accurate and the data mapping topology is well maintained. This research contributes to the understanding of mobile banking user behavior segmentation and can be used as a basis for a more adaptive and personalized time-based service strategy.
Explainable Fraud Detection in Mobile Banking Transaction Using Extreme Gradient Boosting (XGBoost) and Shapley Additive Explanations (SHAP) Rovita Indah Ayu Ningtias; Mahyuddin K M Nasution; Amalia
JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING Vol. 10 No. 1 (2026): Issues July 2026
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jite.v10i1.15505

Abstract

The development of mobile banking services has increased the convenience of financial transactions, but has also increased the risk of potentially fraudulent transactions. The complexity of transaction patterns and data integrity pose challenges in building an accurate and interpretable detection system. This study aims to analyze the risks of mobile banking transactions using XGBoost and provide an interpretation of factors that influence prediction results using Shapley Additive Explanations (SHAP). The data used are 6,898,889 mobile banking transactions in 2023 with six main attributes. The research stages include data preprocessing, feature extraction based on time and transaction behavior, normalization, data partitioning, anomaly detection using autoencoders, and classification using XGBoost. Autoencoders are used to generate pseudo-labels based on reconstruction error values, while SHAP is used to interpret the contribution of each feature to the model's prediction results. The results show that the autoencoder produces a threshold anomaly of 0.0345 and identifies 1,379 transactions as anomalies. The XGBoost model is able to recognize all anomalous transactions with a recall value of 1.00, although some normal transactions are still predicted as anomalies. The SHAP analysis results show that trx_value is the most influential feature on predictions, followed by channel_type and transaction_hour. This study demonstrates that the combination of Autoencoder, XGBoost, and SHAP can support the detection of potentially fraudulent transactions while providing a more transparent interpretation of the factors influencing the model's decisions.
Co-Authors Abdul Rasyid Abra Saputra Siregar Achmad, Ibanes Jean Gayatri Adi Ihsan Imami Afif Hakim Agatha Anggraeni Dewi Agung Dharmawan Buchdadi Ahmad Khaironi Ahmad MAULANA Amelinda, Amanda Andriyan Jonatan Matondang Angela Anggreni Bako Anis Rosyidah Anita, Cacan Anitarakhmi Ardison Arif Rahman Hakim Arif, Naufal Aristian Asqia, Misna astriana bangur , Yasinta Audy Salsabillah Aufariq Asaria Cifa Bakti Viyata Sundawa Boby Setiawan Budiman, M. Andri Cahyaningratri Prima Riyandhani Catur Supriyanto Cecep Maulana Cinantya Paramita Denny Yatmadi Destria Kurnianti Dewi Purwati Diah Puspita Sari Dimas Artha Antariksa Dinda Dwi Rabita Eben Ezer Seluya Malau Erick Gunawan Bahar Eristono, Eristono Erna Budhiarti Nababan Ernawati, Erna Fadli, Muh Faidliyah Nilna Minah Faulina B.L, Nahdiah Fauziah Febrin Aulia Batubara Fian Khamil Arifin Firza Arief Rahmatullah Gugun Gunawan, Gugun Haiqal, Arya Halida Hamsiah, Andi Hayya A.K, Husniatu Hazrina, Umi Indah Hendra Priyatnanto Hili Aulianah Himyatul Hidayah Iin Dwi Aristy Putri Ika Dwi Rachmawati Imam Setiaji Ronoatmojo Intan Nurbaiti Irianto Irwan Moridu Iwan Adinugroho Jannah, Rauzatul Jonathan Saputra K.Gunawan, Brahmantyo Kaluhung, Yayuk Kelana, Sukma Khairunnisa, Syahla Khalivio Rahmyanto Putra Kolla Sahpitri Latifa Siswati Latifa Siswati Latifah, Euis Laurita Lestari, Uray Nurul Dwi Lilis Tiyani Linardo Pratama Linda Adriani LINDAWATI Lora Irawan M Rasyid Redho Pratama M. Zulham MAHMUD ALFAN JAMIL Mahyuddin K M Nasution Mangge, Juliana Marcella Novia Putri Mauvizar, Erly Meliyana Mery Silviana Mina Umrah Pelas Mohammad Aristo Sadewa Mohammad Firmansyah monika lestari, Tria Mordekhai Morlan Pardede - Mufidah, Azmi Muhammad Ardiansyah Sembiring Muhammad Asikin Muhammad Ikhlas Muhammad Radhi Muhammad Ridha Muhammad Ridha Muhammad Rizwan Muhammad Taufiq Fathaddin, Muhammad Taufiq Muhammad Tsani Irsyadi Muhammad Zardi Munirah mursyid yahya Mu’fidatul Nurul Hajjad Nasution, Tuti Adi Tama Nilakanti, Dwi Putri Nina Ntai, Sri Nuning nur kholifah, Fasha Nurbaya Nurhabibah Nurhayati Nurikha Pramudhita Nurwinda Sari, Nova Pakaya, Siti Nurhaliza Pratiwi, Andini Pricilia, Anastasia Purnamasari, Septi Putrinda Rahman, Abdurrasyid Aulia Raka Kana Pila Raudhinaa Gumilar Tauzirie Rendy Rere Nita Alfisa Ulfa Resa Livia Nica Reski Wahyudi Richta Puspita Haryanti Rini Nizar Rofiatul Hosna Rohsita Amalyah Rasyid Rohsita Amalyah Rasyid Romi Ferdian Rosalia Pertiwi Rovita Rovita Indah Ayu Ningtias Roziana Amalia Rumintar J. H. Marpaung Rumintar J.H. Marpaung Saputra, Jonathan Septiawan Jiwandono Shafira, Hurul Aini Silviana, Mery Sinta Dewi, Ni Wayan Siska Okta Ramadani Siti Aisyah Siti Aisyah Siti Nurhaliza Siti Taskiyatul Fikriyah Sri Hafnida Ritonga Sri Wahyuni St Muriati, St Suci Budining Kisprasetiyani Suhariyanto Suhendi Sumardi Suryapranatha, Dicky Susi Sakia Suwanti Syah Putra Lubis, Fachrurrozi SYAHMINAN, MHD. Syahriah Madjid Syamsafitri Tatang Rizky Tety Sriana Thantawi, Tubagus Rifqy Tubagus Erwin Nurdiansyah Ulkhaq, Rafie Itharani Wenda, Neliku Wenny Asti Pratiwi Wijaya, Indra Yalizar Rahayu Sitorus Yarra Sutadiwiria Yati Heryati Yeftamikha Yora Nopriani Yuli Lestari Yuliani, Nisa Dwi Yuniarti, Tatik Yunita Dwi Anggreini Yusuf, Ariq Haykal Zamziba, Muhammad Nur Farhan