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Integration of Artificial Intelligence in the Financial Sector Innovation, Risks and Opportunities

International Journal of Cyber and IT Service Management · Vol. 5 No. 1 (2025) · hlm. 58–70

DOI
10.34306/ijcitsm.v5i1.165
ISSN
2808-554X, 2797-1325
Terbit
2025-04-04
Penerbit
Pandawan Sejahtera Indonesia
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0/

Abstrak

The integration of AI in the financial sector has inspired significant innovation while introducing new dynamics related to risks and opportunities. The rapid adoption of AI technologies has transformed operational, strategic, and analytical processes, creating substantial potential for growth alongside critical challenges. This study examines the transformative impact of AI on the financial sector, focusing on its innovative applications, associated risks, and opportunities. Key areas of exploration include the enhancement of operational efficiency, the development of innovative financial products, and the mitigation of risks through AIMLdriven solutions. A qualitative approach was employed, involving an extensive review of literature, industry reports, and regulatory frameworks. Thematic analysis was conducted to identify recurring patterns, while triangulation ensured the reliability of findings. Consultations with AI and financial experts further validated the study. The findings reveal that AI innovations, such as intelligent algorithms, big data analytics, and machine learning (ML), enhance operational efficiency, improve decision ML making processes, and strengthen market predictions. However, risks such as data security breaches, model uncertainty, and ethical concerns remain significant. Addressing these risks requires robust governance frameworks, ethical AI design, and compliance with evolving regulatory standards. By addressing risks and leveraging opportunities, the financial sector can optimize the transformative potential of AI, manage challenges effectively, and achieve sustainable growth. This study fills a critical gap in the literature by linking AI integration to practical implications for financial inclusion and risk mitigation, particularly in emerging markets and underserved communities.

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40 penulis · 104 tautan kepenulisan bersama · 38 lintas organisasi · menampilkan 40 yang paling banyak terhubung

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  • Indonesia University of Education
  • Universitas Raharja
  • Universitas Buddhi Dharma
  • Universitas Ahmad Dahlan
  • Centro Escolar University
  • State University of Jakarta
  • Institut Teknologi Telkom Purwokerto
  • Organisasi lain
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Siti FatimahState University of Jakarta2
Didi SuryadiAfiliasi tidak diketahui2
Laksmi AnindyatiAfiliasi tidak diketahui1
Radix RascaliaAfiliasi tidak diketahui1
Abdul Rohman ZakyAfiliasi tidak diketahui1
Muhammad Ayub ArwinAfiliasi tidak diketahui1
Dwi WarliAfiliasi tidak diketahui1
Agung WicaksonoInstitut Teknologi Telkom Purwokerto1
Indah SuciatiAfiliasi tidak diketahui1
Arsyil WaritsmanAfiliasi tidak diketahui1
Ethan ChristopherAfiliasi tidak diketahui1
Nazim HussainSindh Agriculture University1
Chandra LukitaUniversitas Catur Insan Cendekia Cirebon1
AliyahUniversitas Cendekia Abditama1
Mochamad Heru Riza ChakimUniversitas Raharja1
Dimas Bagus SaputraUniversitas Raharja1
Liliasari LiliasariIndonesia University of Education1
Yeanchon Henry DulanlebitUniversitas Pattimura1
H. HernaniIndonesia University of Education1
Muhammad Bachri AmranBandung Institute of Technology1
Marta RodriguezAfiliasi tidak diketahui1
Maulana Arif KomaraUniversitas Raharja1
Suhendra SuhendraUniversitas Buddhi Dharma1
Surya KurniawanAfiliasi tidak diketahui1
Suhendra SuhendraIndonesia University of Education1
Surya KurniawanIndonesia University of Education1
Tatang HermanIndonesia University of Education1
Eritha Dewi FebriantyAfiliasi tidak diketahui1
Syifa MardliyahAfiliasi tidak diketahui1
Ikbal PaujiAfiliasi tidak diketahui1
Eritha Dewi FebriantyIndonesia University of Education1
Ikbal PaujiIndonesia University of Education1
Suhendra SuhendraIndonesia University of Education1
Syifa MardliyahIndonesia University of Education1
Af’idatun Nisaul KhoirohAfiliasi tidak diketahui1
Imas Kania RahmanUniversitas Ibn Khaldun Bogor1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://iiast.iaic-publisher.org/ijcitsm/index.php/IJCITSM/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Integration of Artificial Intelligence in the Financial Sector Innovation, Risks and Opportunities</dc:title>
	<dc:creator xml:lang="en">Limajatini, Limajatini</dc:creator>
	<dc:creator xml:lang="en">Suhendra, Suhendra</dc:creator>
	<dc:creator xml:lang="en">Pangilinan, Greian April</dc:creator>
	<dc:creator xml:lang="en">Ilham, Muhammad Ghifari</dc:creator>
	<dc:subject xml:lang="en">Artificial Intelligence (AI)</dc:subject>
	<dc:subject xml:lang="en">AI Integration</dc:subject>
	<dc:subject xml:lang="en">Operational Efficiency</dc:subject>
	<dc:subject xml:lang="en">Digital Risk Management</dc:subject>
	<dc:subject xml:lang="en">Regulatory Compliance</dc:subject>
	<dc:description xml:lang="en">The integration of AI in the financial sector has inspired significant innovation while introducing new dynamics related to risks and opportunities. The rapid adoption of AI technologies has transformed operational, strategic, and analytical processes, creating substantial potential for growth alongside critical challenges. This study examines the transformative impact of AI on the financial sector, focusing on its innovative applications, associated risks, and opportunities. Key areas of exploration include the enhancement of operational efficiency, the development of innovative financial products, and the mitigation of risks through AIMLdriven solutions. A qualitative approach was employed, involving an extensive review of literature, industry reports, and regulatory frameworks. Thematic analysis was conducted to identify recurring patterns, while triangulation ensured the reliability of findings. Consultations with AI and financial experts further validated the study. The findings reveal that AI innovations, such as intelligent algorithms, big data analytics, and machine learning (ML), enhance operational efficiency, improve decision ML making processes, and strengthen market predictions. However, risks such as data security breaches, model uncertainty, and ethical concerns remain significant. Addressing these risks requires robust governance frameworks, ethical AI design, and compliance with evolving regulatory standards. By addressing risks and leveraging opportunities, the financial sector can optimize the transformative potential of AI, manage challenges effectively, and achieve sustainable growth. This study fills a critical gap in the literature by linking AI integration to practical implications for financial inclusion and risk mitigation, particularly in emerging markets and underserved communities.</dc:description>
	<dc:publisher xml:lang="en">Pandawan Sejahtera Indonesia</dc:publisher>
	<dc:date>2025-04-04</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://iiast.iaic-publisher.org/ijcitsm/IJCITSM/article/view/165</dc:identifier>
	<dc:identifier>10.34306/ijcitsm.v5i1.165</dc:identifier>
	<dc:source xml:lang="en">International Journal of Cyber and IT Service Management; Vol. 5 No. 1 (2025): April; 58-70</dc:source>
	<dc:source>2808-554X</dc:source>
	<dc:source>2797-1325</dc:source>
	<dc:source>10.34306/ijcitsm.v5i1</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://iiast.iaic-publisher.org/ijcitsm/IJCITSM/article/view/165/118</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Limajatini Limajatini, Suhendra Suhendra, Greian April Pangilinan, Muhammad Ghifari Ilham</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0/</dc:rights>
</oai_dc:dc>