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All Journal Journal of Central Banking Law and Institutions
Ma Tin Cho Mar
Malaysia University of Science & Technology
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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ATM Accessibility and Artificial Intelligence in Indonesian Banks Toward Financial Inclusion for All Modes of Disability Mawar Ardiansyah; Mutmainah Mutmainah; Wahyu Akbar; Akhmad Kamil Rizani; Ma Tin Cho Mar; Mawar Ardiansyah; Mutmainah Mutmainah; Wahyu Akbar; Akhmad Kamil Rizani; Ma Tin Cho Mar
Journal of Central Banking Law and Institutions Vol. 5 No. 3 (2026)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jcli.v5i3.341

Abstract

For persons with disabilities, access to ATMs in Indonesia remains far from friendly both physically and technologically, keeping essential financial services out of reach for many. In addition, the use of accessibility technology and Artificial Intelligence (AI) in the banking sector is far from optimal and unable to adequately provide financial inclusion for persons with disabilities. Bank Indonesia plays a leading role in promoting financial inclusion through its policies and regulations. The purpose of this study is to analyse the urgency of implementing accessibility technology for ATMs to support financial inclusion for persons with disabilities in Indonesia, and to explore the role of policy in encouraging its implementation. The research method is qualitative, using a descriptive-analytical approach, and secondary data are collected from relevant literature and analysed using thematic analysis. The results indicate that ATM accessibility, as a prerequisite for financial inclusion, requires a multidimensional approach including regulation, physical access, AI-based technology, services, and collaboration. This study also highlights the need for stricter, mandatory regulatory reform and recommends establishing national technical standards, strengthening inclusive banking services, and collaborating with persons with disabilities.
Co-Authors Akhmad Kamil Rizani Akhmad Kamil Rizani Ma Tin Cho Mar Mawar Ardiansyah Mawar Ardiansyah Mutmainah Mutmainah Mutmainah Mutmainah Wahyu Akbar Wahyu Akbar