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All Journal IAES International Journal of Artificial Intelligence (IJ-AI) Jurnal Locus Penelitian dan Pengabdian
Ramadiah, Amanah
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Aerospace Engineering Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Electrical & Electronics Engineering Engineering Mathematics

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User Review Analysis of the BNI Wondr Mobile Banking Application: Systematic Literature Review Mubina, Basma Fathan; Halim, Dicky; Budi, Indra; Ramadiah, Amanah; Putra, Prabu Kresna; santoso, Aris budi
Jurnal Locus Penelitian dan Pengabdian Vol. 4 No. 8 (2025): JURNAL LOCUS: Penelitian dan Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v4i8.4541

Abstract

In the digital age, mobile banking has become essential for facilitating efficient financial transactions, with the Wondr mobile banking application from Bank Negara Indonesia (BNI) emerging as a significant innovation in this sector. Designed to provide a secure and user-friendly experience, Wondr aims to meet the diverse needs of its customers. However, to enhance its service and ensure user satisfaction, BNI must actively engage with customer feedback. This study leverages user reviews from platforms like Google Play Store to gain insights into the strengths and weaknesses of the Wondr application. Employing text analysis techniques, we utilise topic modeling through Latent Dirichlet Allocation (LDA) to extract relevant themes from these reviews to identify key areas for improvement and generate targeted recommendations. The findings of this research are intended to inform the ongoing development of the Wondr application, ultimately enhancing user experience and reinforcing BNI’s position within the digital banking landscape.
Exploring the influence of soft information from economic news on exchange rate and gold price movements Prastowo, Rahardito Dio; Budi, Indra; Ramadiah, Amanah; Santoso, Aris Budi; Putra, Prabu Kresna
IAES International Journal of Artificial Intelligence (IJ-AI) Vol 14, No 6: December 2025
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijai.v14.i6.pp5231-5239

Abstract

Information on business conditions is an important concern for market players and regulators. Hard information relates to easily validated characteristics such as production levels and employment conditions. In contrast, soft information such as consumer and public perceptions—is subjective and difficult to verify. Although previous studies on hard and soft information mainly focus on microeconomics and banking, current developments in big data and machine learning enable broader applications in financial market analysis. This study combined VADER sentiment analysis and support vector machine (SVM) classification (accuracy=85%) to analyze economic news, followed by Granger causality and multiple linear regression to examine causal effects and predictive relationships. The findings reveal that negative news sentiment and the Indonesian Rupiah (IDR) exchange rate influence each other, while positive sentiment has no causal impact on the exchange rate. Both negative and positive sentiments affect gold prices, whereas gold price movements do not influence sentiment. Regression analysis shows that negative sentiment has a stronger effect in decreasing the IDR exchange rate than positive sentiment, with the model explaining approximately 20% of the variance. Integrating sentiment and exchange rate data enhances the predictive model for gold price forecasting and highlights the asymmetric roles of positive and negative news in financial dynamics.
Co-Authors Budi, Indra Halim, Dicky Mubina, Basma Fathan Prabu Kresna Putra, Prabu Kresna Prastowo, Rahardito Dio Santoso, Aris Budi