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All Journal Jurnal Teknologi Sistem Informasi dan Aplikasi Journal of Information Systems and Informatics Journal of Computer Networks, Architecture and High Performance Computing
Hutagaol, B. Junedi
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Computer Science & IT Education

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Machine Learning for Securing API Gateways : a Systematic Literature Review Hutagaol, B. Junedi; Sitorus, Riama Santy; Simanjuntak, Dita Madonna
Journal of Computer Networks, Architecture and High Performance Computing Vol. 7 No. 3 (2025): Articles Research July 2025
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/cnahpc.v7i3.6788

Abstract

The rapid growth of mobile banking has improved access to financial services but also introduced heightened cybersecurity risks, particularly due to vulnerabilities in API Gateways and limited user awareness of cyber threats. This study conducts a Systematic Literature Review (SLR) to explore how machine learning (ML) can address both technical and human-centric security challenges in digital banking. By reviewing sixteen peer-reviewed studies published between 2019 and 2025, the study identifies key ML techniques such as anomaly detection, behavior-based models, and deep learning architectures that are effective in detecting and mitigating API-based attacks. In parallel, the review examines ML applications aimed at enhancing user cybersecurity awareness, including personalized alert systems, user segmentation, and adaptive education mechanisms. Thematic synthesis reveals several challenges, including data availability and privacy, the interpretability of complex models, and integration with existing banking infrastructures. However, the study also highlights significant opportunities, such as the use of federated learning to preserve privacy, explainable AI to improve trust, and dynamic alert systems to prevent user fatigue. Based on the synthesis, a conceptual architecture is proposed to integrate ML-driven API threat detection and user education within mobile banking platforms. The findings provide valuable insights for both academic research and practical implementation, contributing to the development of intelligent, user-aware cybersecurity frameworks in the financial sector.Keywords: API Gateway Security, Cybersecurity Awareness, Machine Learning, Mobile Banking, Systematic Literature Review.
Designing a Zero Trust Architecture for Securing API Gateways in Digital Banking Systems Sitorus, Riama Santy; Hutagaol, B. Junedi
Journal of Information System and Informatics Vol 7 No 3 (2025): September
Publisher : Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51519/journalisi.v7i3.1219

Abstract

In the era of digital banking transformation, Application Programming Interfaces (APIs) are essential for system integration and customer-facing innovations but also increase exposure to cyber security risks such as credential theft, API abuse, data breaches, and unauthorized access. This research proposes a conceptual Zero Trust Architecture (ZTA) model specifically designed to secure API Gateways in digital banking systems. Adopting a conceptual design methodology comprising literature review, component identification, architectural modelling, standards-based evaluation, and recommendation development the study introduces a framework that integrates core Zero Trust principles. Strong identity verification counters credential misuse, dynamic access control mitigates unauthorized access, encryption protects sensitive financial data, continuous monitoring identifies abnormal traffic, and real-time behavioral analytics prevents API abuse. Each component is mapped to relevant industry standards, ensuring resilience and regulatory compliance. Beyond the conceptual design, the findings highlight practical implications: applying ZTA at the API Gateway strengthens cyber security defenses against modern API threats, supports regulatory readiness, and provides banks with a structured roadmap for secure digital services. The study concludes that the proposed model delivers a comprehensive foundation for secure API communication in digital banking and actionable guidance for future implementation and research.
Identifikasi Tingkat Kesadaran Pengguna Mobile Banking terhadap Ancaman Cybercrime Hutagaol, B. Junedi; Sitorus, Riama Santy; Hutagaol, Nindya
Jurnal Teknologi Sistem Informasi dan Aplikasi Vol. 7 No. 3 (2024): Jurnal Teknologi Sistem Informasi dan Aplikasi
Publisher : Program Studi Teknik Informatika Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jtsi.v7i3.41639

Abstract

The development of information technology has brought about a significant increase in the number of people connected to and using the internet. However, this phenomenon also poses serious risks regarding the security of valuable information such as passwords, financial information, and other sensitive data, making them attractive targets for attackers. Attacks on this infrastructure not only have the potential to cause data breaches but also significant financial impacts and even threats to lives. Protecting oneself from these threats, and considering the crucial role of humans in the technology ecosystem, emphasizes the importance of enhancing cybersecurity awareness. This study aims to explore the awareness levels of mobile banking users regarding cybercrime threats, involving the participation of 403 respondents. Questionnaire data processing results showed that 51% of the total respondents have experienced cybercrime attempts, and 21% have been victims. Respondents' awareness levels varied between 3.49 and 4.05 on a Likert scale (1-5). Several factors significantly influence respondents' awareness levels, such as age, occupation, personal experience as a victim of cybercrime attempts, and interactions between variables.
Co-Authors Hutagaol, Nindya Simanjuntak, Dita Madonna Sitorus, Riama Santy