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All Journal Jurnal Ius Constituendum Unes Law Review JURNAL ILMIAH ADVOKASI Era Hukum: Jurnal Ilmiah Ilmu Hukum Jurnal Hukum Adigama JURNAL USM LAW REVIEW Jurnal Kewarganegaraan International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Journal of Law, Poliitic and Humanities Journal of Sustainable Development and Regulatory Issues
Amad sudiro
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Religion Humanities Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Public Health Social Sciences Other

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Journal : Journal of Sustainable Development and Regulatory Issues

 1 
Legal Protection of Artificial Intelligence Applications in Banking Sukawati, Maheswara Perbawa; Amad Sudiro
Journal of Sustainable Development and Regulatory Issues (JSDERI) Vol. 3 No. 3 (2025): Journal of Sustainable Development and Regulatory Issues (JSDERI)
Publisher : Lembaga Contrarius Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53955/jsderi.v3i3.175

Abstract

The rapid development of Artificial Intelligence (AI) in Indonesia’s banking sector has transformed traditional financial services into digital-based systems that emphasize speed, efficiency, and accessibility. However, this transformation presents significant legal and ethical challenges related to data security, algorithmic accountability, and consumer protection. This study analyzes the legal framework governing AI implementation in Indonesian banking, focusing on the Financial Sector Development and Strengthening Law, the Personal Data Protection Law, the Electronic Information and Transactions Law, and the regulatory role of Bank Indonesia and the Financial Services Authority. The research employs a normative legal approach supported by limited empirical insights, combining statutory, case, comparative, and historical analyses. The findings reveal regulatory fragmentation and a legal vacuum concerning liability for AI-related losses, particularly in cases of algorithmic error and data breaches. In contrast, comparative studies of Japan and the European Union show the necessity of establishing AI governance based on transparency, accountability, and proportional liability. Therefore, Indonesia urgently requires a specific legal framework that integrates ethical, human-centered, and risk-based principles to ensure data security, protect consumer rights, and promote trustworthy AI implementation in the financial sector.
Co-Authors Achmad Dwi Saputra Alvin Agung Wicaksono Andi Khuswatun Khasana Andreas Even Limarus Ang. T. Michella Angie Arthuro Richie Gunawan Chevita Natalie Vania Dimitri Ilyasa Fani Ali Farhan Zarbiyani Ghina Ramadhania Poetri Gunard LIe Harry Sunyoto Immanuel Yoan Ivan Tirta Yudha Jenny Alvita Jessica Marchvinn Joelian Rezky Utomo Josua Tarigan Joy Celine Lailatul Uzni Leviana Rachel Maria Natasha Rudijanto Mario Fernando Merta Merta Muhammad Haykel Nicholas Rachmanata Pius Nifatere Jokhe Priaardanto, Columbanus Rava Syhafa Maharani Rr. Ayu Gayatri Esa Prameswari Shena Novera Hulaifa Sinthiarahma Felyna Megawati Sukawati, Maheswara Perbawa Suwinto Johan Tara Ulina Ginting Tasia Eda Lestari Tiya Nuraini Wisye Anabella Alexandra Tumengkol Yohanes Richardson Braventa Zanuba Arifa Khafsof ZM