DATA QUALITY IMPROVEMENT: CASE STUDY FAST PAYMENT SYSTEM INFRASTRUCTURE
Abstrak
This study aims to assess the data quality of the Fast Payment System infrastructure application. The assessment employs a specialized framework for financial data, namely the QAFD (Quality Assessment Framework for Data), which focuses on five data quality dimensions. Given the high transaction volume and operational criticality of fast payment systems, ensuring reliable data quality is essential to support reporting, analysis, and policy communication. Data quality assessment was conducted through two approaches: objective and subjective assessment, applied to 34 variables. The objective assessment was based on quantitative measurements of the data, while the subjective assessment involved user or stakeholder perceptions of data quality. The objective assessment results showed that the Accuracy dimension reached 99.99%. The Completeness dimension for mandatory data variables was recorded at 84.41%. For the Uniqueness dimension, the variable sending_customers_id_number_hash achieved 87.34%, while receiving_customers_id_number_hash reached 99.96%. Meanwhile, both the Currency and Timeliness dimensions achieved a 100% rate. A comparison between the objective and subjective assessment results indicated discrepancies in the Completeness and Uniqueness dimensions, while the other dimensions were aligned. These findings indicate that data quality challenges extend beyond technical processing aspects and reflect the importance of continuously improving metadata clarity and business rule alignment governing variable usage and identifier relationships. This study contributes by providing empirical evidence of QAFD implementation in fast payment operational data and emphasizes the value of proactive data governance through metadata enhancement and strengthened validation mechanisms to support reliable reporting and institutional credibility.
Referensi
[2] BI, “Blueprint Sistem Pembayaran Indonesia 2030,” Situs Bank Indonesia. Accessed: Sep. 17, 2024. [Online]. Available: https://www.bi.go.id/id/publikasi/kajian/Pages/Blueprint-Sistem-Pembayaran-Indonesia-2030.aspx
[3] BI, “Sistem Pembayaran & Pengelolaan Uang Rupiah,” Situs Bank Indonesia. Accessed: Sep. 17, 2024. [Online]. Available: https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/default.aspx
[4] Firstlogic, “Data Quality in the Financial Sector.” [Online]. Available: https://firstlogic.com/insights/data-quality-in-the-financial-sector
[5] DQLabs, “Financial Data Quality Management: How to Improve It.” [Online]. Available: https://www.dqlabs.ai/blog/how-to-improve-your-financial-data-quality-management/
[6] Dost, “The importance of financial data quality management | Dost.” Accessed: Jan. 08, 2026. [Online]. Available: https://www.dost.io/blog/the-importance-of-data-quality-in-finance
[7] Swift, “Payments Data Quality | Swift.” Accessed: Jan. 08, 2026. [Online]. Available: https://www.swift.com/products/payments-data-quality
[8] A. Faragallah and M. T. Chimenti, “Indonesia – Financial Sector Assessment Program : Technical Note - Assessment of the BI-SSSS Based on CPMI-IOSCO Principles for Financial Market Infrastructure,” Washington, D.C., Nov. 2024. [Online]. Available: http://documents.worldbank.org/curated/en/099110424110037314
[9] M. Alrawad, A. Lutfi, M. A. Almaiah, and I. A. Elshaer, “Examining the influence of trust and perceived risk on customers intention to use NFC mobile payment system,” Journal of Open Innovation: Technology, Market, and Complexity, vol. 9, no. 2, p. 100070, Jun. 2023, doi: 10.1016/j.joitmc.2023.100070.
[10] Q. Zhang and H. Kim, “From Social to Financial: Understanding Trust in Extended Payment Services on Social Networking Platforms,” Behavioral Sciences, vol. 15, no. 5, p. 659, May 2025, doi: 10.3390/bs15050659.
[11] I. H.-Y. Chiu, “A new era in fintech payment innovations? A perspective from the institutions and regulation of payment systems,” Law Innov. Technol., vol. 9, no. 2, pp. 190–234, Jul. 2017, doi: 10.1080/17579961.2017.1377912.
[12] Pasardana.id, “Bank Indonesia Hadirkan Statistik Sistem Pembayaran Infrastruktur.” Accessed: Jan. 08, 2026. [Online]. Available: https://pasardana.id/news/2021/7/30/bank-indonesia-hadirkan-statistik-sistem-pembayaran-infrastruktur/
[13] BI, “Statistik Sistem Pembayaran dan Infrastruktur Pasar Keuangan (SPIP),” Situs Bank Indonesia. Accessed: Sep. 17, 2024. [Online]. Available: https://www.bi.go.id/id/statistik/ekonomi-keuangan/spip/Default.aspx
[14] BIS, “About the payments and financial market infrastructures statistics.” [Online]. Available: https://www.bis.org/statistics/dataportal/payment_stats.htm?m=6%7C36
[15] W. Badrawani, C. Amanda, N. Maryaningsih, A. Ginulur, and C. S. Wulandari, “Transaksi Digital Dan Pertumbuhan Ekonomi: Velositas Uang Menggunakan Data Sistem Pembayaran,” Bank Indonesia, 2024. doi: None.
[16] F. Peranginangin, “Payment System Statistics to Support Policy Formulation in Indonesia,” in Proceedings of The ISI Regional Statistics Conference 2017 (ISI RSC 2017), Bali, 2017, pp. 547–553. [Online]. Available: https://isi-web.org/sites/default/files/2025-04/Proceeding-International-Statistic-Institute.pdf
[17] M. Hellqvist and K. T. T.-I. payments as a new normal: C. study of liquidity impacts for the F. market Korpinen, “Instant payments as a new normal: Case study of liquidity impacts for the Finnish market,” Bank of Finland, 2021. doi: None.
[18] Xendit, “Optimizing Harbolnas: The Strategic Role of Payment Gateways.” Accessed: Jan. 17, 2026. [Online]. Available: https://www.xendit.co/en-id/blog/optimizing-harbolnas-the-strategic-role-of-payment-gateways-in-conversion-security-and-business-stability/
[19] M. Bendechache, J. Attard, M. Ebiele, and R. Brennan, “A Systematic Survey of Data Value: Models, Metrics, Applications and Research Challenges,” IEEE Access, vol. 11, pp. 104966–104983, 2023, doi: 10.1109/ACCESS.2023.3315588.
[20] F. de Amicis and C. Batini, “A methodology for data quality assessment on financial data,” Studies in communication sciences : journal of the Swiss Association of Communication and Media Research, vol. 4, no. 2, p. 115, 2004, doi: 10.5169/seals-790977.
[21] H. D. Sitawati, Y. Ruldeviyani, A. N. Hidayanto, R. S. Amanda, and A. S. Nugroho, “Data Quality Improvement: Case Study Financial Regulatory Authority Reporting,” 2021 International Seminar on Machine Learning, Optimization, and Data Science, ISMODE 2021, pp. 272–277, 2022, doi: 10.1109/ISMODE53584.2022.9743087.
[22] C. Cichy and S. Rass, “An overview of data quality frameworks,” IEEE Access, vol. 7, pp. 24634–24648, 2019, doi: 10.1109/ACCESS.2019.2899751.
[23] DAMA International, DAMA-DMBOK: Data Management Body of Knowledge (2nd Edition). Denville, NJ, USA: Technics Publications, LLC, 2017.
[24] R. Miller, H. Whelan, M. Chrubasik, D. Whittaker, P. Duncan, and J. Gregório, “A Framework for Current and New Data Quality Dimensions: An Overview,” Data (Basel)., vol. 9, no. 12, p. 151, Dec. 2024, doi: 10.3390/data9120151.
[25] M. del P. Angeles and F. García-Ugalde, “A Data Quality Practical Approach,” International Journal on Advances in Software, vol. 2, no. 2 & 3, pp. 259–274, 2009, [Online]. Available: http://www.iariajournals.org/software/
[26] N. Blomqvist, “Data quality methodologies and improvement in a data warehousing environment with financial data,” Lappeenranta University of Technology, 2019.
[27] R. Miller, S. H. M. Chan, H. Whelan, and J. Gregório, “A Comparison of Data Quality Frameworks: A Review,” Big Data and Cognitive Computing, vol. 9, no. 4, p. 93, Apr. 2025, doi: 10.3390/bdcc9040093.
[28] Z. Majkić, “A general framework for query answering in data quality-based Cooperative Information Systems,” in Proceedings of the ACM SIGMOD International Conference on Management of Data, 2004, pp. 44–50. doi: 10.1145/1012453.1012461.
[29] M. Scannapieco, A. Virgillito, C. Marchetti, M. Mecella, and R. Baldoni, “The DaQuinCIS architecture: a platform for exchanging and improving data quality in cooperative information systems,” Inf. Syst., vol. 29, no. 7, pp. 551–582, Oct. 2004, doi: 10.1016/j.is.2003.12.004.
[30] M. A. Jeusfeld, C. Quix, and M. Jarke, “Design and Analysis of Quality Information for Data Warehouses,” in Lecture Notes in Computer Science (including subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics), vol. 1507, no. 1, 1998, pp. 349–362. doi: 10.1007/978-3-540-49524-6_28.
[31] M. Helfert and C. Herrmann, “Proactive Data Quality Management for Data Warehouse Systems - A Metadata based Data Quality System,” 2002. [Online]. Available: https://www.alexandria.unisg.ch/handle/20.500.14171/71891
[32] C. S. Carson, “Toward a framework for assessing data quality,” p. 69 p. :, 2001, [Online]. Available: http://digitallibrary.un.org/record/440024
[33] IMF, “Data Quality Assessment Framework and Data Quality Program,” Fifth Review of the Fund’s Data Standards Initiatives. Accessed: Jan. 18, 2026. [Online]. Available: https://www.imf.org/external/np/sta/dsbb/2003/eng/dqaf.htm
[34] BIS, “Principles for effective risk data aggregation and risk reporting,” no. January 2013, p. 28, 2013, [Online]. Available: http://www.bis.org/publ/bcbs239.pdf
[35] H. Harreis, T. Ho, J. Machado, P. Merrath, K. Rowshankish, and A. Tavakoli, “Living with BCBS 239,” 2017. [Online]. Available: http://dln.jaipuria.ac.in:8080/jspui/bitstream/123456789/6694/1/Living-with-BCBS-239.pdf
[36] J. Orgeldinger, “The Implementation of Basel Committee BCBS 239: Short analysis of the new rules for Data Management,” Journal of Central Banking Theory and Practice, vol. 7, no. 3, pp. 57–72, Sep. 2018, doi: 10.2478/jcbtp-2018-0023.
[37] D. Y. Siregar, H. Akbar, I. B. P. A. Pranidhana, A. N. Hidayanto, and Y. Ruldeviyani, “The Importance of Data Quality to Reinforce COVID-19 Vaccination Scheduling System: Study Case of Jakarta, Indonesia,” Proceedings - 2022 2nd International Conference on Information Technology and Education, ICIT and E 2022, pp. 262–268, 2022, doi: 10.1109/ICITE54466.2022.9759880.
[38] W. A. Bowo, A. Suhanto, M. Naisuty, S. Ma’mun, A. N. Hidayanto, and I. C. Habsari, “Data Quality Assessment: A Case Study of PT JAS Using TDQM Framework,” in 2019 Fourth International Conference on Informatics and Computing (ICIC), IEEE, Oct. 2019, pp. 1–6. doi: 10.1109/ICIC47613.2019.8985896.
##submission.copyrightStatement##
##submission.license.cc.by-sa4.footer##Semua tulisan pada jurnal ini menjadi tanggungjawab penuh penulis. Jurnal Teknimedia memberikan akses terbuka terhadap siapapun agar informasi dan temuan pada artikel tersebut bermanfaat bagi semua orang. Jurnal Teknimedia dapat diakses dan diunduh secara gratis, tanpa dipungut biaya, sesuai dengan lisensi creative commons yang digunakan.

Jurnal TEKNIMEDIA : Teknologi Informasi dan Multimedia is licensed under a Lisensi Creative Commons Atribusi-BerbagiSerupa 4.0 Internasional
.png)





