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All Journal Communications in Science and Technology Jurnal Informatika Universitas Pamulang INTECOMS: Journal of Information Technology and Computer Science JSiI (Jurnal Sistem Informasi) Indonesian Physical Review Building of Informatics, Technology and Science Infotekmesin Piston: Journal of Technical Engineering Journal of Innovation and Future Technology (IFTECH) Jurnal Sistem Komputer & Kecerdasan Buatan Buletin LOUPE (Laporan Umum Penelitian) Jurnal Pengendalian Pencemaran Lingkungan (JPPL) Jurnal Teknologi Informatika dan Komputer Akrab Juara : Jurnal Ilmu-ilmu Sosial Jurnal Mesin Nusantara Jurnal Pengabdian kepada Masyarakat Jurnal Abdimas Indonesia : Jurnal Abdimas Indonesia International Journal of Engagement and Empowerment (IJE2) JURNAL ILMIAH GLOBAL EDUCATION Jurnal Penelitian Inovatif Journal Of Sustainable Research In Management Of Agroindustry (SURIMI) ACROPORA: Jurnal Ilmu Kelautan dan Perikanan Papua JAMAIKA: Jurnal Abdi Masyarakat Abdi Jurnal Publikasi Jurnal Teknologi Pangan dan Industri Perkebunan OKTAL : Jurnal Ilmu Komputer dan Sains Hikmayo: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Multidisiplin Indonesia MULTIPLE: Journal of Global and Multidisciplinary Acta Solum Food and Agro-industry (FAGI) Journal Jurnal Ilmu Komputer
Murni Handayani
Universitas Pamulang
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Journal : intecoms journal of information technology and computer science

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ANALISIS SISTEM DETEKSI DINI FRAUD PADA TRANSAKSI PERBANKAN MENGGUNAKAN LONG SHORT-TERM MEMORY (LSTM) DAN TRANSFORMER Arken Abdullah; Arya Adhyaksa Waskita; Murni Handayani
INTECOMS: Journal of Information Technology and Computer Science Vol. 9 No. 1 (2026): INTECOMS: Journal of Information Technology and Computer Science
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/83yrz474

Abstract

The development of digital banking services in electronic payment channels has led to a significant increase in transaction volumes, accompanied by higher fraud risk. Fraud patterns are dynamic and temporal, making detection based solely on individual transactions ineffective. This study aims to develop an early fraud detection system using a cluster-aware sequential deep learning approach. Transaction data are processed through data cleansing, behavioral feature extraction, and customer clustering based on transaction characteristics. Long Short-Term Memory (LSTM) is employed to learn temporal transaction patterns, while Transformer is used to capture global context and nominal transaction deviations. Both models are integrated through a dynamic ensemble approach with adaptive thresholds for each cluster. Model evaluation is conducted in a supervised manner using PR-AUC as the primary metric, supported by ROC-AUC, Precision, Recall, and F1-Score. The results demonstrate that the cluster-based ensemble approach improves detection stability, reduces false positives, and adapts effectively to differences in customer behavior. Experimental results show that models trained without oversampling provide more stable precision–recall performance on datasets where fraud manifests as extreme behavioral outliers, while SMOTE is used as a comparative scenario.  Keywords: Fraud Detection, Deep Learning, LSTM, Transformer, Bank
Co-Authors Abu Khalid Rivai Ahmad Gunawan Wibisono Ahmad Musyafa Ahmad Musyafa Akhmad Rinaldy Kurnia Al Habib, Irsyad Allam Ramzy Allam Ramzy Anggai, Sajarwo Annisa Yuliana Angeline Any Kurniawati, Any Ari Kristiningsih Arken Abdullah Arrozi , Ubed Sonai Fahruddin Arsita Nur Rizkia Putri Arya Adhyaksa Waskita Astuti, Wijayanti Dwi Aza Fauziana, Noer Bambang Wisnu Widagdo Choirunnisa Firdaus Ivana Da, Oh Wen Dahlan Hidayat Dawam Agung Pribadi Destiny, Keysi Devain Dewanto, Hizkia Alpha Djukardi Kurniawan Dr TUKIYAT, M.Si Dwi, Sadina Sahitya Dwityaningsih, Rosita Erland Sumantri Evila Purwanti Sri Rahayu, Theresia Fadillah Fajar Hidayanto, Fajar Feni Aryanti Fitri Khoerunnisa Giyanto Gunawarman Hartanto Heryandi Suradiradja, Kahfi Hesti Rahayuningsih Hizam, Fadli Iasya, Yurin Karunia Apsha Albaina Ilma Fadlilah Ipung Saputra Irnanda, Istifhamy Isykariman Biridlwanillah Jatmoko Awali Joko Setia Pribadi Jon Affi, Jon Kanim Kristiningsih, Ari Latifatul Khusna Lutfi Syafirullah Mahendra, Brillian Ardy Makhsun Makhsun Makhsun Mardiyana Mardiyana Mardiyana Mardiyana Maulana, Romdon Mila Prametha, Novika Mochamad Adhari Adiguna Moh. Triyana Abbas Mohammad Nurhilal Mohammad Rayhan Afdillah Muhamad Sibli Muhammad Rizky Fadillah Muji Mulyani Mustofa, Rizki Nabila, Najwa Natasya Arifah Natasya Arifah Nur Indah Wardani Nur Rohmat Nuraini Sitepu Nuraini Sitepu Nurhayati, Mita Nurlinda Ayu Triwuri Oto Prasadi putri, raekhanrahmah Putri, Restiani Alia Raekhan Rahmah Putri Rafli Rafli Rafli Rafli Reno Saeprani Retno Tri Purnamasari Rifqi Fakhri Yogi Syafruddin Rizki Agustian Rizki Ahmad Darmawan Rosita Dwityaningsih Rosita, Rosita Dwityaningsih Saefuloh, Iman Sajarwo Anggai Sajarwo Anggai Salma Maulikhatun Zulfa Santika, Ariel Sari Widya Utami Sari Widya Utami Satrio Herbirowo, Satrio Septian Pratama Siti Cici Carliah Siti Khoirunnisa Slamet Raharjo Slamet Raharjo Sudarno Sudarno Sudarno Wiharjo Sumardiono, Arif Surya, Surya Ariwibowo Syadilla Ega Maharani Taswanda Taryo Taswanda Taryo Tukiyat Tukiyat Tukiyat Tukiyat Tukiyat, Tukiyat Ulikaryani Uliyatunisa Uliyatunisa Uliyatunisa, Uliyatunisa Waskita, Arya Adhyaksa Widuri Indana Saleha Widuri Indana Saleha Witriansyah, Khoeruddin Wittriansyah, Khoeruddin Yessi Permana Yuli Yetri Yunita Triana, Yunita Yunus Yunus Zain, Rafi Mahmud Zeni Ulma Zikrullah, Mochamad Fachrudin