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p-Index From 2021 - 2026
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This Author published in this journals
All Journal Journal of Society and Development Journal of Digital Business and Data Science
Budiyono, Anton
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Humanities Economics, Econometrics & Finance Social Sciences

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Customer Churn Prediction Uses Machine Learning to Improve Retention on Digital Platforms Budiyono, Anton; Nendi, Ikhsan
Journal of Digital Business and Data Science Vol. 2 No. 2 (2025): Journal of Digital Business And Data Science
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jdbs.v2i2.23

Abstract

Customer churn is a critical challenge for digital platforms operating in highly competitive markets such as e-commerce. This study aims to develop a machine learning–based predictive model to identify Shopee customers in Indonesia who are at high risk of churn, using behavioral and transactional data. A supervised learning approach was employed using multiple algorithms, including Logistic Regression, Decision Trees, Random Forests, and XGBoost. The dataset consisted of user activities, including transaction frequency, recency, voucher usage, application session count, and interaction with promotional features. Data imbalance was addressed using the SMOTE technique to improve classification stability. Results showed that XGBoost achieved the best performance across all evaluation metrics, with an AUC of 0.948, indicating strong discriminative ability. Feature importance analysis revealed that recency, transaction frequency, voucher usage rate, and app session frequency were the most influential predictors of churn. These variables indicate declining engagement and reduced responsiveness to promotional incentives, which are key behavioral signals of churn. The study contributes to both academic literature and practical applications by demonstrating how behavioral analytics and machine learning can support early churn detection and inform targeted retention strategies. Implementing such predictive systems can help e-commerce platforms optimize customer lifetime value and reduce revenue loss.
Reconceptualizing Islamic Financial Markets: A Moral-Economic Equilibrium Approach: Merekonseptualisasi Pasar Keuangan Islam: Pendekatan Keseimbangan Moral-Ekonomi Budiyono, Anton; Yusuf, Ayus Ahmad
jsd: Journal of Society and Development Vol 6 No 1 (2026)
Publisher : CV. Media Publikasi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57032/jsd.v6i1.340

Abstract

Recurring global financial crises and widening distributive inequalities expose the systemic failures of the conventional market efficiency paradigm in ensuring economic stability and justice. This article aims to reconceptualize financial markets through a moral-economic equilibrium approach as an alternative to the mainstream model. Employing a qualitative method via a critical literature review of conventional and Islamic economics, the study deconstructs the underlying assumptions of both systems to produce a new theoretical reconstruction. Research findings indicate that Islamic financial markets function as equilibrium systems that simultaneously integrate economic efficiency, moral values, and social objectives. The core foundation lies in the prohibition of Riba, Gharar, and Maysir, integrated with risk-sharing mechanisms and organic linkages to the real sector. This moral-economic equilibrium demonstrates that market efficiency and distributive justice can harmoniously synergize within the Maqashid al-shariah framework. In conclusion, the article asserts that Islamic financial markets represent a value-based financial paradigm oriented toward socio-economic welfare and sustainable development. The primary theoretical contribution is the provision of a new analytical framework that synthesizes moral and economic dimensions into a single, cohesive equilibrium construct to address the limitations of the efficiency paradigm in responding to contemporary global economic stability challenges.
Co-Authors Ayus ahmad Yusuf Nendi, Ikhsan