The Potential Misuse of Artificial Intelligence Technology Systems in Banking Fraud

Hijriani Anshari Nur M.N. Sahyunu Kassymova G.K.
2025 Diponegoro University

Journal of the Indonesian Tropical Animal Agriculture
2025 #21 Issue 1 17 - 38 pp.

The use of Artificial Intelligence (AI) in the banking sector can enhance the effectiveness and efficiency of banking services. However, it also carries the risk of misuse by irresponsible parties, potentially leading to significant financial losses. This research aims to identify and analyze the potential misuse of AI in banking systems and provide recommendations for risk mitigation.This study employs a normative juridical research method, incorporating case studies and legislative analysis. The findings reveal vulnerabilities in AI algorithm security within the banking sector and demonstrate that AI implementation can be exploited for fraudulent activities. These findings underscore the need for updates to procedural laws, particularly concerning the evidence system, to establish clear criminal liability for legal entities or individuals.The study concludes that regulatory adjustments related to the evidence system and the implementation of banking principles are essential to minimizing the risks of AI-based fraud.

AI Security , Artificial Intelligence , Fraud , Regulation , Risk Mitigation

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Master of Law, Postgraduate Universitas Sulawesi Tenggara, Indonesia
Faculty of Technic, Universitas Halu Oleo, Indonesia
Faculty of Economic and Management, Universitas Sulawesi Tenggara, Indonesia
Abai Kazakh National Pedagogical University, Kazakhstan

Master of Law
Faculty of Technic
Faculty of Economic and Management
Abai Kazakh National Pedagogical University

10 лет помогаем публиковать статьи Международный издатель

Книга Публикация научной статьи Волощук 2026 Book Publication of a scientific article 2026