DOI: https://doi.org/10.14710/lr.v21i1.65881

The Potential Misuse of Artificial Intelligence Technology Systems in Banking Fraud

Hijriani - Hijriani orcid scopus publons  -  Master of Law, Postgraduate, Universitas Sulawesi Tenggara, Indonesia
*Muhammad Nadzirin Anshari Nur scopus  -  Faculty of Technic, Universitas Halu Oleo, Indonesia
Sahyunu Sahyunu  -  Faculty of Economic and Management, Universitas Sulawesi Tenggara, Indonesia
Gulzhaina K. Kassymova orcid scopus  -  Abai Kazakh National Pedagogical University, Kazakhstan
Open Access Copyright 2025 LAW REFORM under http://creativecommons.org/licenses/by-sa/4.0.

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Abstract
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.
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Keywords: Artificial Intelligence; Fraud; AI Security; Regulation; Risk Mitigation
Funding: Directorate of Research, Technology, and Community Service (DRTPM) of the Directorate General of Higher Education, Research, and Technology (Ditjen Diktiristek), Ministry of Education, Culture, Research, and Technology (Kemendikbudristek)

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Section: Research Article
Language : EN
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