An end-to-end digital pawn system for Pegadaian: A conceptual innovation framework based on advanced technologies (Community Service For Sustainable Community Journal)

Summary

• Pegadaian is an Indonesian state-owned enterprise providing pledge-based credit services to micro and small-scale economic actors [p.1].p.1
• The online pawn feature within Pegadaian's Tring! application is currently restricted to gold pawn products [p.2].p.2
• The qualitative conceptual study was conducted from November 2025 to January 2026 to formulate an integrated digital pawn model [p.4].p.4
• The proposed framework identifies 4 main areas requiring digital integration across the online pawn lifecycle [p.5].p.5
• Initial AI valuation guides users to upload photographs taken from 5–8 different angles alongside a 360° video [p.7].p.7

Key insights

1. The existing Tring! application faces limitations in processing speed, valuation accuracy, risk mitigation, and end-to-end service integration [p.1].p.1
2. Online pawn services for asset categories such as jewelry, electronic devices, and vehicles remain unimplemented in the current application [p.2].p.2
3. Artificial intelligence is designed to function as a decision-support system for human appraisers rather than acting as a sole decision-maker [p.5].p.5
4. The model incorporates active video-based liveness detection to defend against identity spoofing and replayed videos [p.6].p.6
5. Fine-grained visual recognition allows computer vision systems to distinguish specific product subcategories such as Antam Gold 10 grams or iPhone 15 Pro 256GB [p.8].p.8