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All Journal JIKSI (Jurnal Ilmu Komputer dan Sistem Informasi) Computatio : Journal of Computer Science and Information Systems Pendas : Jurnah Ilmiah Pendidikan Dasar INTECOMS: Journal of Information Technology and Computer Science MITRA: Jurnal Pemberdayaan Masyarakat GUIDENA: Jurnal Ilmu Pendidikan, Psikologi, Bimbingan dan Konseling Jurnal Informatika ENLIGHTEN (Jurnal Bimbingan dan Konseling Islam) Jutisi: Jurnal Ilmiah Teknik Informatika dan Sistem Informasi Jurnal Muara Ilmu Sosial, Humaniora, dan Seni Jurnal Muara Sains, Teknologi, Kedokteran dan Ilmu Kesehatan JURNAL PENDIDIKAN MIPA Journal of Information Systems and Informatics Titian: Jurnal Ilmu Humaniora Jurnal Bakti Masyarakat Indonesia PAEDAGOGY : Jurnal Ilmu Pendidikan dan Psikologi KNOWLEDGE: Jurnal Inovasi Hasil Penelitian dan Pengembangan Prosiding Seri Seminar Nasional Journal of Social And Economics Research Makara Human Behavior Studies in Asia Jurnal Pendidikan, Sains dan Teknologi Dewantara: Jurnal Pendidikan Sosial Humaniora Education: Jurnal Sosial Humaniora dan Pendidikan Al-Zayn: Jurnal Ilmu Sosial & Hukum journal of social and economic research
Jap Tji Beng
Universitas Tarumanagara
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Pengembangan Digital Acquisition Product Sebagai Layanan Pelanggan di Industri Perbankan Intan Ardiani Putri; Jap Tji Beng; Rahmiyana Nurkholiza; Vienchenzia Oeyta Dwitama Dinatha
Jutisi : Jurnal Ilmiah Teknik Informatika dan Sistem Informasi Vol 15, No 3 (2026): Juni 2026
Publisher : STMIK Banjarbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35889/jutisi.v15i3.3737

Abstract

This study evaluates the success of Digital Acquisition Product development through the implementation of the Quick Response Code Indonesian Standard payment system at Bank X using a computational data analytics approach. Most previous studies have focused on consumer adoption through perception-based surveys, leaving a research gap in evaluating the operational capacity of internal banking systems. This study processes real transactional Big Data from 2023 to April 2026 using the Python programming language within the Google Colab environment. The computational stages include data wrangling using the Pandas library, data structure transformation (melting), missing value handling, and the development of custom algorithms to standardize time-log formats. The novelty of this study lies in the application of computational scripts to validate system performance longitudinally. The computational analysis of the 2026 projected data indicates high system scalability, as evidenced by the dominance of transaction loads through digital channels, accounting for 96.1 percent of total transactions compared to physical infrastructure. The study concludes that the Digital Acquisition Product architecture has proven robust in handling increasing data traffic and recommends that banking institutions begin integrating predictive algorithms to ensure the sustainability of the digital server ecosystem.Keywords: Data Analytics; System Evaluation; Descriptive Computing; Python; Digital Acquisition Product.AbstrakPenelitian ini mengevaluasi keberhasilan pengembangan Digital Acquisition Product melalui implementasi sistem pembayaran Quick Response Code Indonesian Standard pada Bank X menggunakan pendekatan data analytics komputasional. Sebagian besar penelitian terdahulu berfokus pada adopsi konsumen melalui survei persepsi, sehingga menyisakan kesenjangan analisis pada evaluasi kapasitas operasional sistem internal perbankan. Penelitian ini memproses data transaksional riil (Big Data) periode 2023 hingga April 2026 menggunakan bahasa pemrograman Python di lingkungan Google Colab. Tahapan komputasi mencakup data wrangling menggunakan pustaka Pandas, transformasi struktur data (melting), penanganan missing values, serta pembuatan algoritma kustom untuk standardisasi format log waktu. Kebaruan studi ini terletak pada penerapan script komputasi untuk memvalidasi performa sistem secara longitudinal. Hasil analisis komputasi pada proyeksi data 2026 menunjukkan skalabilitas sistem yang tinggi, ditandai dengan dominasi beban transaksi pada kanal digital sebesar 96,1 persen dibandingkan infrastruktur fisik. Penelitian ini menyimpulkan bahwa pengembangan arsitektur Digital Acquisition Product terbukti tangguh dalam menangani lonjakan traffic data, dan perbankan disarankan mulai mengintegrasikan algoritma prediktif untuk menjaga keberlanjutan ekosistem server digital. 
Co-Authors Aeda Andianturi Taim Agustin, Dinda Aisya Putri Handayani Alif Fazjrul Caesar Ifmaini Alivia Fitriani Amanto Alivia Fitriani Amanto Alma Silvi Anastasia Rachel Tanuwidjaja Angela, Octarifa Angelica Liefianti Angelina, Ellen Anisa Husnul Khotimah Anthony Bernard Arumsari, Chysanti Arvelia Yoshianne Anggie Aryo Prayogi Aurelia Naftali Kalengkongan Ayesha Desfitrianie Bianca Debby Bryan Riyanto Calista Shierly Wijaya Calvinus, Yohanes Carissa Puteri Caroline, Angeline Celine Vandea Anika Tumundo Cintya Syarah Azzahra Claudia Fiscarina Claudia Fiscarina Claudya Christine Daniel Daniel Daniel Vebrianto Davin Sebastian Dea Auliya Rahmawati Dedi Trisnawarman Dedi Trisnawarman Denis Mathew Dennis Matthew Desella Chandra Desella Chandra Desella Chandra Desi Arisandi Desi Arisandi Desi Arisandi Desi Arisandi Devi Jong Dewi, Ezra Shandra Dhira Francesco Dias Amaliah Kangiden Dinatha, Vienchenzia Oeyta Dwitama Elbert Tan Ele Lunzaga Elga Adhi Bunarwan Elysia Putri Elysia Putri, Elysia Endah Setyaningsih Eoh, Vivin Bolu Ery Dewayani Eugenius Edsel Barito Fasia Meta Sefira Fasia Meta Sefira Fateema, Sabrina Ayesha Febynola Tiara Salsabilla Fedrik Pangestu Felicita Mauli Fernando Edison Firliana, Dira Fitriya, Febby Nurul Fouad Nagm Fransisca I. R. Dewi Fransisca Iriani Roesmala Dewi Fransisca Pranata Fransiska Indra Sulistyawati Frisia Mafaza Gladys Anawai Ohyver Gregorio, Keanen Hansen Han Hartinah Dinata Henry Candra Hervanny Zisli Hetty Karunia Tunjungsari Ho, Stevanie Hutagaol, Alice Shizuka Ikishima, Faura I. Intan Ardiani Putri Ivan Juan Jonathan Jap, Bernard Amadeus Jaya Jennifer Jennifer Jessica Widodo Joselin Sandra Wijaya Juliana, Sarah Gracyntia Juniarto Salim Justin Aaron Ho Justin Samuel Hutabarat Kamila, Nadia N. Kelvin Julian Tannius KENI KENI Kezia Alexandra Emor Khallifa Mubarak Armando Khallifah Mubarak Armando Larasati, Kirey Latupono, Sania A. R. Lauren Kezia Vanessa Lawrence, Valerie Layla Adila Ramadhani Leny Marshalina Limbor, Ellen Gabriel Listra Chatalia Silitonga Lunzaga, Ele Lusiana, Fenny Lygia Teresa Timoria Natan Marcydiaz, Andrew Haikal Margareta Margareth Natalia Margaretha Sabda Djaja Marwahdi, Azahra Putri Matondang, Mikhayla Illyna Mei Ie Mei Ie Melinda Gloria Michael S. Naidas Michelle Friscilia Michelle Friscilia Michellen, Kyren Mikhael Edo Sinambela Mira Bella Mirabella Mirabella Mirabella Muhammad Irfan Pradana Muhammad Nashir Mutiara, Maitri Widya Nadya Aliwarga Nadya Aliwarga, Nadya Nagm, Fouad Nathanael Darrel Frans Nathanael Dennis Gunawan Nathannael Dennis Gunawan Nathasya Kristianti Ferdiana Nina Perlita Nina Perlita Nina Perlita Norita Margareth Berta, Norita Margareth Novario Jaya Perdana Nurkholiza, Rahmiyana Octarifa Angela Octarifa Angela Oeyta, Vienchenzia Ohyver, Daniel Adolf Oktovianus Irvan P. Tommy Y. S. Suyasa P. Tommy, Y. S. Suyasa Pandumpi, Shania Krisan Paula Jessica Claudia Sibi Prajna Paramitha Marhaeni Putri Dewi Zabita Putri, Allychia Nanalingdita Thea Putri, Erika Ardya Mesia Putri, Melzha E. Putri, Tifani Anasya Qadriah, Sekar Aurannisa Ramdhani Rachelle Marvella Narto Atmodjo Rahmiyana Nurkholiza Rahmiyana Nurkholiza Rahmiyana Nurkholiza Rahmiyana Nurkholiza Rahmiyana Nurkholiza Rahmiyana Nurkholizah Ramadhan, Asya A. P. Rasji Rasji Renshi Yehezkiel Rhalf Jayson F. Guanco Riani Riani Ricky Sanjaya Rita Markus Idulfilastri Rita Markus Idulfilastri Rizky Eka Putra Salsabila, Tasya Mulia Samantha, Velline Sania Alikha Rahmadira Latupono Sania Alikha Rahmadira Latupono Sari, Emilia Sefira, Fasia Meta Setiawati, Winni Shalsa Dea Purnama Sharon Yosephine Sihotang, Fitriana Nursinta Silky Goswara Silky Goswara Solikhah, Nafiah Sri Tiatri Sri Tiatri Sri Tiatri Stefania Morin Stenly Handy Wijaya Stephen Stephen Stivanus, Celvin Sugeng Astanggo Sultan Said Abdul Rahim Sultan Said Abdul Rahman Sumantri, Paramitha Mudita Susana Febie Sombuk Tasya Mulia Salsabila Tasya Mulia Salsabila Tasya Mulia Salsabila Teddy Agustinus Thalia Syahrunia Suci Ardhia Tiara Nailah Mahmud Tiara Zahro Tiara Zahro Tiatri, Sri Tifani Anasya Putri Tony Tony Tony Tony Toong Hai Sam Valencia Valencia Valensia Audrey Rusli Vania Yori Wakano Veebie Cleodora Valein Velline Samantha Vian Stanly Immanuel Rumainum Vienchenzia O. D. Dinatha Vienchenzia O. D. Dinatha Vienchenzia Oeyta Dwitama Dinatha Vienchenzia Oeyta Dwitama Dinatha Vienchenzia Oeyta Dwitama Dinatha Vincent Suryawidjaja Viola Vincentia Vivien H. Wangi Wasino Wasino Wasino Wasino Wasino Wasino Wasino Whitney Whitney Wijaya, Angeline Carolina William Alexander Winni Setiawati Yuniawati, Elisa Ika Yvonne Chika Junata Zahra Shafira ZAHRO, TIARA Zheng, Margareta