Moh. Hasan Basri
"Perbankan di Indonesia telah meluncurkan aplikasi perbankan seluler dengan tujuan untuk memberikan pengalaman layanan yang baik bagi nasabah. Bank harus meningkatkan efektivitas aplikasi perbankan seluler mereka untuk memberikan peningkatan nilai aplikasi tersebut. Dalam upaya menemukan ruang perbaikan bagi perbankan, penelitian ini dilakukan untuk mengetahui topik yang umum dibicarakan serta mengetahui sentimen ulasan pengguna layanan perbankan seluler di Indonesia pada ulasan Google Play yang dimiliki oleh BNI, BCA, dan Mandiri. Penelitian ini menambah penerapan text mining dan membantu pengembang platform digital perbankan ulasan dengan efisien, dan mendukung pengambilan keputusan dan strategi bisnis unggul. Tiga algoritma klasifikasi sentimen, yaitu logistic regression, naïve bayes, dan support vector machine digunakan dalam penelitian ini. Algoritma dijalankan pada pemodelan train data, k-fold cross validation data train, k-fold cross validation semua data, dan prediksi data test. Pemodelan topik adalah LDA (Latent Dirichlet Allocation) untuk kategori sentimen. Algoritma logisitc regression memiliki akurasi tertinggi yaitu 97,00 %. Model digunakan pada data baru, diketahui ulasan didominasi dengan sentimen negatif yaitu sebesar 62,22% atau sebanyak 7.374 sedangkan ulasan sentimen positif sebesar 37,78% atau sebanyak 4.477 ulasan. Pemodelan topik ulasan aplikasi perbankan seluler sentimen positif memiliki nilai koheren tertinggi 0,649 dengan jumlah 19 topik membahas kemudahan dan kelancaran transaksi, kelengkapan fitur, keamanan, akses dan login, kecepatan dan efisiensi, dan kemudahan penggunaan. Pemodelan topik ulasan aplikasi perbankan seluler sentimen negatif memiliki nilai koheren tertinggi 0,440 dengan jumlah 18 topik membahsas push notifikasi uang masuk, top-up dan transfer gagal, kesulitan login aplikasi perbankan seluler, update mengganggu, gagal transaksi, saldo terpotong saat gagal transaksi, error sistem, kendala BI-Fast dan kartu, dan masalah verifikasi. Kata kunci: pemodelan topik, analisis sentimen, text mining, aplikasi perbankan seluler, ulasan aplikasi.
Banks in Indonesia have launched mobile banking to provide good experience for customers. However, digital mobile banking services in Indonesia are considered unideal. Banks shall increase the effectiveness of their mobile banking applications to gain value added. Finding room for improvement can be done by analyzing mobile banking user feedback in the Google Play review column. This research aims to determine the topics that are commonly discussed and expected as well as to find out the sentiment of reviews of mobile banking owned by BNI, BCA, and Mandiri. This research enhances the application of text mining and helps digital banking platform developers analyze reviews efficiently, supporting decision-making and superior business strategies. Three sentiment classification algorithms, namely logistic regression, naïve Bayes, and support vector machine were used in this research. Each algorithm is run for modeling train data, k-fold cross validation of train data, k-fold cross validation of all data, and prediction of test data. Topic modeling is LDA (Latent Dirichlet Allocation) for each sentiment category. The logical regression algorithm is the highest accuracy, 97.00%. Apply model for new data, 62.22% or 7,374 reviews are dominated by negative sentiment, while positive sentiment reviews are 37.78% or 4,477 reviews. Topic modeling of mobile banking review with positive sentiment has the highest coherent value of 0.649 with 19 topics discusses ease and smoothness of transactions, completeness of features, security, access and login, speed and efficiency, and ease of use. Meanwhile, topic modeling with negative sentiment has the highest coherent value of 0.440 with a total of 18 topics discusses push notifications for incoming money, failed top-ups and transfers, difficulties login to mobile banking, annoying updates, failed transactions, balances deducted when transactions fail, system errors, BI-Fast and card problems, and verification problems."