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Enhancing Customer Awareness of Cybersecurity Threats in E-Banking: A Study on the Role of AI-based Risk Communication Tools Hakimi, Musawer; Kohistani, Ahmad Jamy; Sahnosh, Faqeed Ahmad; Samadzai, Abdul Wahid; Enayat, Wahidullah
Jurnal Ilmiah Manajemen & Bisnis Vol 10 No 1 (2025)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/jimb.v10i1.6762

Abstract

With online banking on the rise, cybersecurity issues still occupy users' and financial institutions' minds. This study examines users' awareness of cybersecurity threats and their trust in artificial intelligence (AI) technology for fraud detection and risk communication in e-banking. A mixed-method design of quantitative survey of 384 users and qualitative interview of 20 participants was used to reflect broader insights. The survey quantified demographics, awareness of security protocols, and confidence in AI technology. Findings show that while users are very well aware of what to anticipate from repeated online threats and are careful with login passwords, they always fail to take the initiative concerning security practices like the changing of passwords. Overall, participants were confident in the application of AI systems, especially the efficiency and pace at which AI identifies fraud versus human agents. Skepticism was found for the effectiveness of chatbots based on AI. Statistical modeling showed that trust in AI strongly correlated with prior experience in cybersecurity, high rates of technology usage, and knowledge of online banking, with education level and age making little impact. The qualitative information further underscored the importance of personalized and clear communication from AI systems, suggesting that the way such machines talk to individuals can make or break trust. The study concludes by suggesting that user education at financial institutions should be enhanced, as well as developing AI systems with a method that employs personal communication approaches. The integration of human support with AI can potentially plug awareness gaps and improve security results across different user segments within the e-banking environment.
Generative AI in Enhancing Hydroponic Nutrient Solution Monitoring Hakimi, Musawer; Suranata, I Wayan Aditya; Ezam, Zakirullah; Samadzai, Abdul Wahid; Enayat, Wahidullah; Quraishi, Tamanna; Fazil, Abdul Wajid
Jurnal Ilmiah Telsinas Vol 8 No 1 (2025)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/telsinas.v8i1.6242

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Generative AI for IoT Hydroponics Monitoring System for Smallholder Farmers in Developing Regions This is in an effort to support AI-based narrative feedback for real-time decision-making with reference to sensor data (TDS/EC, temperature) and plant context-the pertinent data are species and age. The system, therefore, consists of an ESP32 sensor device; a Flutter mobile application; and the cloud services being offered via Thingsboard and the Gemini API. A systematic approach was undertaken, including design, implementation, integration, and usability testing. The results show effective real-time data collection and secure communication, with accurate AI feedback validated by expert judgment. The results exhibited how AI and IoT could collude in aiding smart agriculture. Future work will concentrate on enhancing the accuracy of the model based on ground truth data and improving the accessibility of the platform.
Analysis of Clustering Results for Crime Incident Data in Indonesia Using Fuzzy C-Means Retno, Sujacka; Hakimi, Musawer
Journal of Advanced Computer Knowledge and Algorithms Vol. 2 No. 3 (2025): Journal of Advanced Computer Knowledge and Algorithms - July 2025
Publisher : Department of Informatics, Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/jacka.v2i3.22565

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This study examines the clustering of crime incident data across Indonesia from 2000 to 2024 using the Fuzzy C-Means (FCM) algorithm, with a focus on the impact of data normalization. Comprehensive annual provincial crime statistics from Badan Pusat Statistik (BPS) were preprocessed to handle missing values and then standardized via the Standard Scaler. FCM clustering was performed separately on both the original and normalized datasets, with the number of clusters set to three. Cluster quality was evaluated over ten independent runs using five metrics: Davies-Bouldin Index (DBI), Silhouette Score (SS), Calinski-Harabasz Index (CH), Adjusted Rand Index (ARI), and Normalized Mutual Information (NMI). Results indicate that normalization consistently yields lower DBI values (average 0.824 vs. 0.830) and higher SS (average 0.367 vs. 0.363) and CH scores (average 55.35 vs. 54.09), while ARI and NMI remain stable across treatments. These findings demonstrate that normalization enhances cluster compactness and separation without altering underlying data structures, leading to more interpretable and reliable groupings. By uncovering regional crime patterns and highlighting the methodological importance of preprocessing, this research provides actionable insights for policymakers and law enforcement agencies to allocate resources more effectively and develop targeted crime prevention strategies.
INTERCULTURAL COMMUNICATION STRATEGIES FOR SUSTAINABLE CONFLICT RESOLUTION IN INDONESIA Farid, Ahmad Salman; Hakimi, Musawer
KOMUNIKE: Jurnal Komunikasi Penyiaran Islam Vol. 17 No. 1 (2025): Communication & Digital Ethics
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jurkom.v17i1.12914

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Diversity often triggers multicultural tensions. Conflict resolution frameworks appropriate to the Indonesian context are still rarely studied. This study offers a strategic framework consisting of three steps: increasing cultural awareness and sensitivity, facilitating inclusive dialogue, and collaborative problem-solving. Using a mixed-method approach, this study combines 25 semi-structured interviews with community leaders, mediators, and stakeholders in five conflict-prone provinces, as well as a survey of 312 respondents. The findings show that increasing cultural awareness strengthens mutual respect and reduces stereotypes; inclusive dialogue is effective in bridging social differences; and collaborative problem solving combines traditional approaches (consensus-based deliberation) with modern governance. However, there are still communication gaps between generations and a lack of follow-up mechanisms.
Artificial Intelligence and Legal Reform in Developing Countries: Advancing Ethical, Rights-Based, and Accountable Digital Governance Hakimi, Musawer; Zarinkhail, Shuaib; Sahnosh, Faqeed Ahmad
Jurnal Ilmiah Telsinas Vol 8 No 2 (2025)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/telsinas.v8i2.6934

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The appreciation and speed of technological development and deployment in artificial intelligence (AI) bring enormous risks and opportunities to the developing world. Developing countries are likely to have less vested systems of regulation which risk ethical liability, legal liability, and social inclusion. This article presents an interdisciplinary legal framework for AI regulation for developing countries for the responsible deployment of AI vis-a-vis innovation relative to fundamental human rights and ethical safeguards. Using a huge trove of scholarly articles, policy documents, and case studies dating from 2017 to 2025 from journals such as Springer, IEEE Access, Wiley, MDPI, and ACM, this research synthesizes interdisciplinary lessons in computer science, law, ethics, and social sciences. The review of the troves of data highlighted important aspects of regulation, risk management, and governance principles towards AI regulations in emerging economies. The model proposed in this paper includes a mandatory assessment process for AI, deal with standards for algorithmic explain ability, autonomous regulatory agencies, sectoral risks, principle of inclusive design, public education in digital literacy, and strong protections for human rights. Developing countries require a rights-based, multi-stakeholder regulatory approach that addresses the technical, ethical, and legal complexities of AI. Implementing such a framework will promote equitable AI innovation while safeguarding human rights and fostering sustainable development.
Artificial Intelligence in Educational Leadership: Strategic, Analytical, Interactive, and Decision-Making Applications for the Digital Age Sirat, Abdul Wali; Hakimi, Musawer; Himmat, Bilal; Enayat, Wahidullah
Jurnal Ilmiah Telsinas Vol 8 No 2 (2025)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/telsinas.v8i2.7044

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AI (artificial intelligence) is becoming an increasingly important factor in educational leadership by sharpening organizational strategy, analytical decision-making, interaction, and creativity. This article aims to systematically review AI applications in educational leadership contexts that can help both leaders and followers identify significant opportunities, challenges, or outcomes as part of effective leadership practice in a digital age. A qualitative systematic literature review was conducted using several credible databases (IEEE Xplore, Science Direct, MDPI, Wiley Online Library, Web of Science) and included work published from 2018 to 2025. A search strategy was developed to include specific keywords pertaining to AI and educational leadership along with peer-reviewed and English language studies. After applying stringent inclusion and exclusion criteria during the review, 35 studies were selected and analyzed in depth. The analysis points to the possibilities of AI to boost strategic planning, efficiency in resource allocation, predictive decision making, performance monitoring and evidence-based supportive approaches to personalized learning. AI opens up intentions and engagements between leaders, educators, and learners, and serves as an evidence-based resource for leader innovation in practice. The review and commentary also highlight key issues for research and practice, namely the ethical implementation of AI in education, methodological rigor, and transparency in reporting effects, and the critical role of human and AI collaborative tandem as a leadership practice for maximization. In conclusion, AI has the potential to advance educational leaders' effectiveness toward more efficient, informed, and innovative models, while also informing research and practice implications.
Internet of Things-Based Bus and Student Monitoring System on Free School Transportation Madiun City Rosyadi, Arfian Dwiki; Puspaningrum, Lintang Diah; Hakimi, Musawer
Digitus : Journal of Computer Science Applications Vol. 2 No. 2 (2024): April 2024
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/digitus.v2i2.464

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Traffic incidents and violations, particularly among students, pose safety concerns for parents and authorities. To address this issue, the Madiun City Government introduced the Free School Transport program through the Madiun City Transportation Office, providing school buses for students in Madiun City. However, despite this initiative, students and parents face challenges tracking bus arrivals due to weather conditions, traffic congestion, and schedule delays. This study proposes developing MASBUS, an Internet of Things (IoT)-based monitoring system for real-time school bus tracking. The system integrates a GPS module for location tracking and an RFID module for student identification. Data is transmitted via NodeMCU ESP8266 to a web server, stored in a MySQL database, and accessed through an Android application. The MASBUS app provides real-time location updates and sends automatic notifications when students board or leave the bus. The implementation of this system enhances student safety, improves transportation efficiency, and enables real-time monitoring for parents and school authorities. MASBUS contributes to a smarter and safer school transportation system by offering a more transparent and reliable tracking solution.
Exploring the Broad Impact of AI Technologies on Student Engagement and Academic Performance in University Settings in Afghanistan Fazil, Abdul Wajid; Hakimi, Musawer; Shahidzay, Amir Kror; Hasas, Ansarullah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 2 No. 2 (2024)
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v2i2.268

Abstract

This article explores the pivotal intersection of Artificial Intelligence (AI), student engagement, and academic performance in higher education, specifically at Kabul University. As technology evolves, understanding AI's implications on education becomes critical for effective pedagogical strategies and student readiness. The research aims to bridge the gap between technological advancements and educational practices, comprehensively investigating AI's impact on student engagement and academic performance. The study addresses awareness, ethical considerations, autonomy perceptions, and AI integration into curricula. Employing a quantitative approach, the study involves 200 students from various Kabul University faculties, utilizing SPSS version 23 for analysis. Regression analyses, ANOVA, and structured questionnaires allow a nuanced exploration of AI engagement dimensions. Key findings indicate commendable AI awareness in students' daily lives, with room for improvement in academic integration. Ethical considerations emphasize a baseline for ethical AI use. Autonomy perceptions and AI tool engagement reveal nuanced layers, emphasizing a holistic AI education approach. In conclusion, this research advocates a balanced AI integration in education, offering implications for pedagogical strategies, curriculum development, and institutional policies. The findings guide educators, policymakers, and institutions in navigating AI-enhanced learning environments, ensuring students' technological literacy and ethical grounding.
Comprehensive Insights Into E-Learning in Contemporary Education: Analyzing Trends, Challenges, and Best Practices Hakimi, Musawer; Katebzadah, Shairagha; Fazil, Abdul Wajid
Journal Of Education And Teaching Learning (JETL) Vol. 6 No. 1 (2024): Journal of Education and Teaching Learning (JETL)
Publisher : CV. Pusdikra Mitra Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jetl.v6i1.1720

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This study explores E-Learning in Modern Education at Afghanistan Universities, aiming to analyze trends, address challenges, and identify best practices. Employing a mixed-methods approach, it incorporates surveys and content analysis for both quantitative and qualitative data. A stratified random sampling strategy ensures representation from diverse faculties, resulting in 180 participants. Key findings emphasize widespread adoption of Learning Management Systems, multimedia content, mobile learning, and gamification for enhanced student engagement. Challenges include content management and resistance to change, highlighting complexities in E-Learning implementations. The study aligns with established theoretical frameworks like the Technology Acceptance Model and cognitive load theory, contributing to the theoretical understanding of E-Learning dynamics. Implications extend to educators, policymakers, and instructional designers, guiding strategic decision-making and interventions. Limitations, including potential response bias and context-specific considerations, underscore the need for cautious interpretation, paving the way for future research. In conclusion, this research provides a comprehensive examination of E-Learning trends and challenges, offering actionable insights for the ongoing discourse in digital education.
DIGITAL TRANSFORMATION OF AFGHANISTAN BANKING: EXPLORING E-BANKING TRENDS AND IMPACTS Hakimi, Musawer; Aslamzai, Sebghatullah; Adhi, Nurseto; Hakimi, Shohib
KEUNIS Vol. 12 No. 1 (2024): JANUARY 2024
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v12i1.5286

Abstract

Afghanistan's Electronic Banking (E-Banking) landscape is experiencing a transformative shift amidst post-conflict challenges, technological innovation, and evolving societal dynamics. This research delves into the complex landscape of E-Banking adoption in the Afghan banking sector, unravelling the intricate relationships among technological innovation, regulatory frameworks, and customer dynamics. With 180 participants in a cross-sectional design, combining quantitative survey data and qualitative insights from interviews, the study employs regression and correlation analysis, ANOVA, and t-tests for preliminary analysis. Exploring the relationships between variables, operational efficiency, and customer perceptions, ethical considerations uphold participant confidentiality. The study's significance lies in contributing to academic discourse and offering practical insights into the Afghan banking industry, shedding light on the nuanced dynamics of E-Banking adoption. The findings provide valuable implications for policymakers and financial institutions by emphasising technology, regulation, and customer-centric perspectives. Navigating post-conflict challenges, this research aims to offer a comprehensive understanding of the ongoing digital transformation.The inclusion of a complete conclusion underscores the study's potential impact on shaping interventions for sustainable growth in Afghanistan's financial sector.
Co-Authors Abdul Wahid Samadzai Abdul Wajid Fazil Abidullah, Adel Adhi, Nurseto Afifi, Sara Agustini, Ni Wayan Eva Ahmadi, Lima Ahmady, Ezatullah Amir Kror Shahidzay Amiri, Frishta Amiri, Ghulam Ali Aslamzai, Sebghatullah Barge Gul Khalili Behnaz Rahimi Danish, Jawad Daudzai, Mehriya Enayat, Wahidullah Ezam, Zakirullah Farid, Ahmad Salman Fazil, Abdul Wajid Fazila AKRAMI Frishta Amiri Frugh, Qurban Ali Gede Indrawan Gede Rasben Dantes Ghafory, Hamayoon Ghiasi, Zaynab Hakimi, Faiz Mohammad Hakimi, Nargis Hakimi, Samer Hakimi, Shohib Halimi, Yalda Hamidi, Shir Ahmad Hasas, Ansarullah Hejran, Muska Himmat, Bilal Hussaini, Mohammad Fawad I Made Agus Oka Gunawan I Wayan Aditya Suranata Ida Ayu Iswari Pidada Jawad Danish Katebzadah, Shairagha Khaliqyar, Khudai Qul Khani, Atefeh Mohammad Khatera AKRAMI Kohistani, Ahmad Jamy Maliha AHRARI Mirwali Azizi Mohammad Aziz Rastagari Mohammad Mustafa Quchi Mohammadi, Farida Gul Mojadadi, Abdul Rahman Mursal AKRAMI Musaka Hejran Musawi, Sayed Zabihullah Naderi, Zuhoruddin Nadry, Zabihullah Najieb, Khairullah Naseri, Mohammad Fahim Nasrat, Abdulfatah Popal, Zekrullah Puspaningrum, Lintang Diah Qarizada, Abdulkhaliq Qasemi, Parisa Quchi, Mohammad Mustafa Quraishi, Tamana Quraishi, Tamanna Rahimi, Behnaz Rahimi, Nasrallah Rahmani, Khoshal Rahmani, Khoshal Rahman Rajaee, Sayed Mohammad Kazim Rastagari, Mohammad Aziz Rosyadi, Arfian Dwiki Sahnosh, Faqeed Ahmad Sajid, Saidamin Samadzai, Abdul Wahid Shahbazi, Hafizullah Shahidzay, Amir Kror Sirat, Abdul Wali Sudestra, I Made Ardi Sujacka Retno Tarashtwal, Omid Ulusi, Helena Wadeed, Wali Mohammad Zahid, Nabila Zainullah Matin Zarinkhail, Mohammad Shuaib Zarinkhail, Shuaib