ATM Accessibility and Artificial Intelligence in Indonesian Banks Toward Financial Inclusion for All Modes of Disability

Mawar Ardiansyah (State Islamic University of Palangka Raya)
Mutmainah Mutmainah (State Islamic University of Palangka Raya)
Wahyu Akbar (State Islamic University of Palangka Raya)
Akhmad Kamil Rizani (State Islamic University of Palangka Raya)
Ma Tin Cho Mar (Malaysia University of Science & Technology)
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)

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.