Intersectionality Of Artificial Intelligence And People With Disability For Inclusive Banking Services

Janisriwati, Sylvia and Lumban Gaol, Heru Saputra (2025) Intersectionality Of Artificial Intelligence And People With Disability For Inclusive Banking Services. In: The First International Cyber Law Confrence 2023 (ICL-C 2023), 11 November 2023, Borobudur University, Jakarta, Indonesia.

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Abstract

People with disabilities are often in unequal situations and their needs are not always recognized in contractual relationships due to inconsistencies in providing personal signatures. Previously, a study conducted by BAPPENAS, OJK, KOMPAK, and DEFINIT in 2017 showed that 84.47% of financial institutions at the central level did not have special policies regarding financial services for Persons with Disabilities. Article 35 paragraph (1) POJK Number 6/POJK.07/2022 concerning Consumer and Community Protection in the Financial Services Sector has regulated the obligation to provide inclusive banking services. To answer this research, we will use normative-empirical legal research methods. The research results show that apart from using fingerprints, people with disabilities can also use artificial intelligence such as Iris scan, Face recognition, and/or Voice recognition as a substitute for signatures as stated in the Technical Instructions for Operational Financial Services for People with Disabilities issued by the OJK.

Item Type:	Conference or Workshop Item (Paper)
Uncontrolled Keywords:	artificial intelligence; banking; people with disability
Subjects:	K Law > K Law (General)
Divisions:	Faculty of Law > Department of Law
Depositing User:	HERU SAPUTRA LUMBAN GAOL
Date Deposited:	19 Dec 2025 05:12
Last Modified:	19 Dec 2025 05:12
URI:	http://repository.ubaya.ac.id/id/eprint/49982

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