Keseimbangan Antara Inovasi Teknologi dan Kepatuhan Regulasi: Tantangan dalam Mengintegrasikan Artificial Intellegence (AI) dalam Manajemen Keuangan

Authors

  • Sania Nuraziza UIN Raden Intan Lampung
  • Wahyu Febri Ramadhan Sudirman Universitas Pahlawan Tuanku Tambusai

DOI:

https://doi.org/10.31004/money.v2i1.21438

Keywords:

Artificial Intellegence, Manajemen Keuangan, Kepatuhan Regulasi.

Abstract

Integrasi AI dalam manajemen keuangan memunculkan tantangan signifikan dalam menjaga keseimbangan antara inovasi teknologi dan kepatuhan regulasi. Artikel ini bertujuan untuk menganalisis kompleksitas integrasi AI dalam manajemen keuangan dalam menjaga keseimbangan antara inovasi teknologi dan kepatuhan regulasi. Fokus utama adalah ketegangan antara fleksibilitas inovasi teknologi dan kebutuhan untuk mematuhi regulasi keuangan yang kompleks. Terdapat tiga tantangan utama yang diidentifikasi, yaitu ketidakpastian regulasi, risiko keamanan dan privasi data. Penelitian ini menggunakan metode studi literatur mencakup pencarian dan analisis sumber-sumber untama, termasuk jurnal, buku, dan laporan penelitian, untuk menyajikan gambaran komprehensif tentang isu-isu tersebut. Hasil penelitian menunjukkan pandangan mendalam tentang tantangan dan risiko yang muncul, sekaligus mengeksplorasi solusi strategis dan pendekatan teknologi untuk mengatasinya. Kontribusi utama artikel ini adalah menguraikan framework konseptual yang memadukan aspek kepatuhan regulasi dan inovasi AI dalam konteks manajemen keuangan serta memberikan pemahaman mendalam yang belum terakomodasi sebelumnya. Penelitian ini dapat memberikan panduan praktis bagi institusi keuangan untuk merancang strategi implementasi AI yang efektif, sekaligus mematuhi ketentuan regulasi, dan merangsang perkembangan literatur pada integrasi AI di sektor keuangan.

References

REFERENSI

Al-Shabandar, R., Lightbody, G., Browne, F., Liu, J., Wang, H., & Zheng, H. (2019). The Application of Artificial Intelligence in Financial Compliance Management. International Conference on Artificial Intelligence and Advanced Manufacturing. https://doi.org/10.1145/3358331.3358339

Ardiansyah, A., Fardana, F. F., & Yaqin, M. A. (2021). Analisis dan Perancangan Artificial Intelligence Pada Business Process Management. ILKOMNIKA: Journal of Computer Science and Applied Informatics, 3(1), 69–82. https://doi.org/10.28926/ILKOMNIKA.V3I1.121

Biallas, M. O., & O’Neill, F. (2020). Artificial Intelligence Innovation in Financial Services. Research Papers in Economics. https://doi.org/10.1596/34305

Boukherouaa, E. B., AlAjmi, K., Deodoro, J., Farias, A., & Ravikumar, R. (2021). Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance. Departmental Papers, 2021(024). https://doi.org/10.5089/9781589063952.087.A001

Campion, A., Gasco-Hernandez, M., Jankin Mikhaylov, S., & Esteve, M. (2020). Overcoming the Challenges of Collaboratively Adopting Artificial Intelligence in the Public Sector. Social Science Computer Review, 40(2), 462–477. https://doi.org/10.1177/0894439320979953

Chiu, I., & Lim, E. W. (2020). Managing Corporations’ Risk in Adopting Artificial Intelligence: A Corporate Responsibility Paradigm.

da Costa, R. L., Cruz, M., Gonçalves, R., Dias, Á., da Silva, R. V., & Pereira, L. (2022). Artificial intelligence and its adoption in financial services. International Journal of Services Operations and Informatics, 12(1), 70–86. https://doi.org/10.1504/IJSOI.2022.123569

Fernández, A. (2019). Artificial intelligence in financial services. Analytical Articles. Economic Bulletin 2/2019.

Han, Y., Chen, J., Dou, M., Wang, J., & Feng, K. (2023). The Impact of Artificial Intelligence on the Financial Services Industry. Academic Journal of Management and Social Sciences, 2(3), 83–85. https://doi.org/10.54097/AJMSS.V2I3.8741

Joshi, V., & Ranjan, P. (2021). To Cite this Article Vivek Joshi & Prafulla Ranjan. Importance and value of Artificial Intelligence in Financial Sector-A critical Review. International Journal for Modern Trends in Science and Technology, 7(05), 6–11. https://doi.org/10.46501/IJMTST0705002

Kurshan, E., Shen, H., & Chen, J. (2020). Towards self-regulating AI: challenges and opportunities of AI model governance in financial services. International Conference on AI in Finance. https://doi.org/10.1145/3383455.3422564

Lai, S. T., Leu, F. Y., & Lin, J. W. (2018). A Banking Chatbot Security Control Procedure for Protecting User Data Security and Privacy. Broadband and Wireless Computing, Communication and Applications, 25, 561–571. https://doi.org/10.1007/978-3-030-02613-4_50

Lee, J. (2020). Access to Finance for Artificial Intelligence Regulation in the Financial Services Industry. 21, 731–757. https://doi.org/10.1007/s40804-020-00200-0

Lubar, S., Winston, P. H., & Prendergast, K. A. (1986). The AI Business: Commercial Uses of Artificial Intelligence. Technology and Culture, 27(4), 872. https://doi.org/10.2307/3105354

Martinello, A. (2022). AI and machine learning in the financial sector: Five focus points.

Martinello, A. T., Meyer, B. B., Jensen, T. L., Senior, E. A. G., & Scientist, D. (n.d.). AI and machine learning in the financial sector: Five focus points.

Pandey, M. K., & Sergeeva, I. (2022). Artificial Intelligence Impact Evaluation: Transforming Paradigms in Financial Institutions. World of Economics and Management, 22(1), 147–164. https://doi.org/10.25205/2542-0429-2022-22-1-147-164

Salim Madhi, M., Ali Mohammed, A., Shyaa Mayea, S., Thajil, K. M., Ali Hussein, S., & Hasan, A. S. (2022). THE ROLE OF ARTIFICIAL INTELLIGENCE IN IMPROVING THE FINANCIAL EFFICIENCY OF BANKS: AN APPLIED STUDY OF A SAMPLE OF INDIVIDUALS WORKING AT AL-RAFIDAIN AND ALRASHEED BANK IN DHIQAR. INTERNATIONAL JOURNAL OF RESEARCH IN SOCIAL SCIENCES & HUMANITIES, 12(04), 991–1010. https://doi.org/10.37648/IJRSSH.V12I04.052

Sidorenko, E. L., Khisamova, Z. I., & Monastyrsky, U. E. (2020). The Main Ethical Risks of Using Artificial Intelligence in Business. Current Achievements, Challenges and Digital Chances of Knowledge Based Economy, 133, 423–429. https://doi.org/10.1007/978-3-030-47458-4_51

Weber, P., Carl, · K Valerie, Hinz, · Oliver, Carl, K. V., Hinz, O., & Weber, P. (123 C.E.). Applications of Explainable Artificial Intelligence in Finance-a systematic review of Finance, Information Systems, and Computer Science literature Explainable artificial intelligence · Finance · Systematic literature review · Machine learning · Review JEL Classification G00 · L50. Management Review Quarterly. https://doi.org/10.1007/s11301-023-00320-0

Downloads

Published

2024-01-08

How to Cite

Nuraziza, S., & Sudirman, W. F. R. (2024). Keseimbangan Antara Inovasi Teknologi dan Kepatuhan Regulasi: Tantangan dalam Mengintegrasikan Artificial Intellegence (AI) dalam Manajemen Keuangan. Money: Journal of Financial and Islamic Banking, 2(1), 47–57. https://doi.org/10.31004/money.v2i1.21438

Issue

Section

Articles

Most read articles by the same author(s)