Analysis Of Sentiment On Twitter Social Media On Public Perception Of Dana Fintech Services In Indonesia

Abstract The rapid growth of financial technology (fintech) services in Indonesia has significantly transformed digital transaction behavior, with digital wallets such as DANA becoming widely adopted. Despite high usage rates, public discourse on social media frequently highlights both positive experiences and recurring concerns related to system reliability and data security. Twitter, as a real-time public communication platform, provides a rich source of user-generated content that reflects public perception toward fintech services. This study investigates public sentiment toward DANA fintech services in Indonesia through sentiment analysis of Twitter data using machine learning approaches. Purpose:This study aims to analyze public perception of DANA fintech services based on sentiment expressed on Twitter and to compare the performance of several machine learning classification algorithms in identifying positive, neutral, and negative sentiments in Indonesian-language social media texts. Methods/Study design/approach: The study employs a quantitative descriptive approach using text mining and sentiment analysis techniques. Twitter data were collected via the Twitter API over a specified period and processed through preprocessing stages including text cleaning, tokenization, stopword removal, and stemming. Feature extraction was performed using the Term Frequency–Inverse Document Frequency (TF-IDF) method. Sentiment classification was conducted using Support Vector Machine (SVM), K-Nearest Neighbor (KNN), and Random Forest algorithms. Model performance was evaluated using accuracy, precision, recall, and F1-score metrics. Result/Findings:The results indicate that public sentiment toward DANA is predominantly positive, driven by perceptions of transaction convenience and speed, followed by neutral sentiment, while negative sentiment is mainly associated with system disruptions and data security issues. Among the evaluated algorithms, SVM achieved the highest classification accuracy (91.4%), outperforming Random Forest and KNN. These findings demonstrate that SVM is more effective for sentiment classification of short Indonesian-language texts on social media platforms. Novelty/Originality/Value:This study contributes to the growing body of sentiment analysis research in Indonesia by providing empirical evidence on public perception of fintech services using machine learning techniques. By systematically comparing multiple classification algorithms in the context of Indonesian Twitter data, the study offers methodological insights and practical implications for fintech service providers in improving service quality, communication strategies, and user trust.