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All Journal Indonesian Journal of Criminal Law and Criminology (IJCLC)
Askarya, Chita
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Law, Crime, Criminology & Criminal Justice

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Can Indonesia's Digital Banks Combat PEPs and Financial Crimes? Riyan Ramadianto, Anang; Setiawan Negara, Dharma; Askarya, Chita; Kristiani, Larmi
Indonesian Journal of Criminal Law and Criminology (IJCLC) Vol. 6 No. 2 (2025)
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijclc.v6i2.26038

Abstract

This article examines the impact of advanced technologies on enhancing due diligence for Politically Exposed Persons (PEPs) within Indonesia's digital banking sector. With the rapid growth of digital banking, there is a pressing need to address the heightened risks associated with PEPs, including potential corruption and money laundering. The study explores the challenges posed by traditional due diligence methods in the face of evolving financial technologies like artificial intelligence (AI) and machine learning (ML), which offer innovative solutions to improve compliance and risk management. It emphasizes the importance of robust regulatory frameworks designed to safeguard the financial system, while also highlighting the operational realities faced by digital banks in adhering to these regulations. The research employs qualitative analysis to investigate how technology can streamline compliance processes, enhance customer due diligence (CDD), and facilitate the identification and monitoring of high-risk clients. Additionally, it discusses the implications of these technological advancements for both regulatory compliance and overall financial security in Indonesia. By focusing on the intersection of technology, regulation, and compliance challenges, this study underscores the critical role of digital banking in mitigating financial crime risks associated with PEPs in an increasingly complex financial landscape.
Co-Authors Kristiani, Larmi Riyan Ramadianto, Anang Setiawan Negara, Dharma