Abstrak
Kejahatan (fraud/scam) kartu kredit masih terus terjadi dan angka kasus penipuan masih terus meningkat dari tahun ke tahun. Hal ini telah menjadi permasalahan internasional hingga saat ini, termasuk Indonesia dengan jumlah kasus yang cukup tinggi. Berdasarkan data yang didapat dari berbagai kasus kejahatan perbankan yang terjadi di Indonesia pada tahun 2017 – 2018, ditemukan bahwa hampir 50 % kasus kejahatan perbankan terjadi pada bank pemerintah dan 80 % pelaku kejahatan perbankan adalah di tingkat manajemen. Belum lagi ditambah kasus kejahatan dari pihak lain, seperti pencurian kartu kredit/debit, pengambilalihan akun (account takeover), kartu tiruan (counterfeit cards), penipuan dalam pengajuan kartu (fraudulent application), cetakan berkali-kali (multiple imprints), dan kejahatan melalui pemesanan surat, telepon maupun e-commerce (Mail order, telephone order or e-commerce fraud).
Pengawasan pada tingkat internal perbankan yang masih lemah serta kepercayaan nasabah kepada perbankan, dijadikan kesempatan untuk melancarkan aksi kejahatan oleh para pelaku.
Diperlukan waktu beberapa bulan untuk dapat mendeteksi aksi kejahatan (fraud/scam).
Pada propsoal ini, kami menawarkan sebuah sistem yang mampu mendeteksi apakah sebuah transaksi perbankan itu sah (legit) atau tidak sah (fraud) secara real-time dengan menggunakan sebuah kecerdasan buatan (artificial intelligence) dan machine learning.
Kata Kunci: Fraud, deteksi, Penipuan, Scam, Kartu Kredit, Machine Learning, Artificial Intelligence, Kecerdasan Buatan
Colmar, 7 Desember 2020
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