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Este estudio presenta una aplicación web para cooperativas de ahorro y crédito que integra una pasarela de pago para agilizar las transacciones financieras y mejorar la eficiencia operativa. Desarrollada mediante la metodología en cascada, la aplicación permite a los socios depositar ahorros, solicitar préstamos y realizar pagos a plazos en línea. Entre sus características principales se incluyen la generación automática de informes financieros, el procesamiento seguro de transacciones y la accesibilidad para los gestores y socios de la cooperativa. Las pruebas de caja negra confirmaron que el sistema cumplía todos los requisitos funcionales, lo que garantiza un funcionamiento fiable y seguro. La aplicación reduce la carga de trabajo operativo, mejora la calidad del servicio y favorece la transparencia financiera en tiempo real mediante la automatización de las tareas administrativas y la oferta de múltiples opciones de pago, como transferencias bancarias y monederos electrónicos. Esta solución demuestra un importante potencial para transformar la gestión financiera de las cooperativas, al proporcionar una plataforma escalable, fácil de usar y segura que mejora los servicios a los socios y promueve la sostenibilidad operativa.
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Author Contributions
Ridho Hakiki: Conceptualization, Methodology, Software, Investigation, Data Curation, Visualization, Writing - Original Draft, Writing - Review & Editing. Vera Irma Delianti: Supervision, Validation, Formal Analysis. Rizkayeni Marta: Supervision, Validation, Formal Analysis. Juan Luis Cabanillas- García: Formal Analysis, Writing - Review & Editing. Vladislav Deyanov Slavov: Formal Analysis, Writing - Review & Editing. Siti Afiat Jalil: Formal Analysis. All authors have read and approved the final version of this manuscript.
Acknowledgments
The authors thank all individuals, institutions, and external collaborators who provided invaluable support and expertise throughout the research process. Their contributions greatly enhanced the quality and depth of this study.
View statement in PDF · PDF page 18Ethics Approval
This study did not involve human or animal participants; therefore, ethical approval was not required.
View statement in PDF · PDF page 18Financiación
The authors declare that this research received no external funding or financial support from any organization or institution. All aspects of the research, including data collection, analysis, and manuscript preparation, were carried out independently without the aid of any grants or sponsorships.
View statement in PDF · PDF page 18Conflictos de Intereses
The authors confirm that there are no conflicts of interest.
View statement in PDF · PDF page 18Generative AI Disclosure
In the final stages of preparing this manuscript, the author(s) utilized Grammarly as a tool to improve readability, coherence, and linguistic precision. Specifically, Grammarly was employed to identify and rectify issues related to grammar, punctuation, sentence structure, and style. Following this, a comprehensive review and manual editing were performed to ensure that the content aligned with the authors’ intent and met the standards of academic writing. The author(s) take full responsibility for the accuracy, content, and conclusions presented in the manuscript, with the final version being thoroughly vetted for clarity, consistency, and scholarly integrity.
View statement in PDF · PDF page 18Citas
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Copyright and License
Esta obra está bajo una licencia internacional Creative Commons Atribución 4.0.
Derechos de autor 2025 Ridho Hakiki, Vera Irma Delianti, Rizkayeni Marta, Juan Luis Cabanillas-García, Vladislav Deyanov Slavov, Siti ‘Afiat Jalil