Will Big Data and AI Redefine Indonesia’s Financial Future?
Jurnal Bisnis dan Komunikasi Digital,
Год журнала:
2025,
Номер
2(2), С. 21 - 21
Опубликована: Фев. 14, 2025
The
rapid
integration
of
big
data
and
artificial
intelligence
(AI)
is
fundamentally
reshaping
Indonesia’s
financial
sector,
driving
unprecedented
efficiency,
innovation,
inclusion.
As
Southeast
Asia’s
largest
digital
economy,
Indonesia
has
embraced
fintech
solutions
that
leverage
predictive
analytics,
machine
learning,
automation
to
enhance
risk
management,
streamline
transactions,
expand
services
previously
underserved
populations.
This
transformation
aligns
with
global
trends,
yet
it
presents
distinct
regulatory,
infrastructural,
ethical
challenges.
Drawing
from
Schumpeter’s
Innovation
Theory,
Information
Asymmetry
Transaction
Cost
Economics,
this
study
explores
how
AI
redefine
operations,
improve
decision-making,
reduce
market
inefficiencies
in
the
Indonesian
banking
ecosystem.
Utilizing
a
qualitative
phenomenological
approach,
research
synthesizes
insights
industry
experts,
regulatory
bodies,
analysts
assess
implications
data-driven
strategies.
Findings
reveal
while
optimizes
assessment,
fraud
detection,
customer
segmentation,
hurdles,
cybersecurity
risks,
literacy
gaps
remain
key
barriers
sustainable
adoption.
continues
its
trajectory
toward
data-centric
infrastructure,
balancing
technological
advancement
prudence
will
be
critical
shaping
an
inclusive
resilient
future.
contributes
ongoing
discourse
on
intersection
digitalization,
economic
policy,
deployment
emerging
markets.
Язык: Английский
Symmetry Alignment–Feature Interaction Network for Human Ear Similarity Detection and Authentication
Symmetry,
Год журнала:
2025,
Номер
17(5), С. 654 - 654
Опубликована: Апрель 26, 2025
In
the
context
of
ear-based
biometric
identity
authentication,
symmetry
between
left
and
right
ears
emerges
as
a
pivotal
factor,
particularly
when
registration
involves
one
ear
authentication
utilizes
its
contralateral
counterpart.
The
extent
to
which
bilateral
supports
consistent
verification
warrants
significant
investigation.
This
study
addresses
this
challenge
by
proposing
novel
framework,
Symmetry
Alignment–Feature
Interaction
Network,
designed
enhance
robustness.
proposed
network
incorporates
Alignment
Module,
leveraging
differentiable
geometric
alignment
dual-attention
mechanism
achieve
precise
feature
correspondence
ears,
thereby
mitigating
robustness
deficiencies
conventional
methods
under
pose
variations.
Additionally,
Feature
Network
is
introduced
amplify
nonlinear
interdependencies
binaural
features,
employing
difference–product
dual-path
architecture
discriminability
through
Dual-Path
Similarity
Fusion.
Experimental
validation
on
dataset
from
University
Science
Technology
Beijing
demonstrates
that
method
achieves
similarity
detection
accuracy
99.03%
(a
9.11%
improvement
over
baseline
ResNet18)
an
F1
score
0.9252
in
tasks.
Ablation
experiments
further
confirm
efficacy
reducing
false
positive
rate
3.05%,
combination
with
shrinking
standard
deviation
distributions
negative
samples
67%.
A
multi-task
loss
function,
governed
dynamic
weighting
mechanism,
effectively
balances
learning
objectives.
work
establishes
new
paradigm
for
features
symmetry,
integrating
modeling
Fusion
advance
precision
authentication.
Язык: Английский