Proceedings of the 6th Open Society Conference (OSC 2024)

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Legal Certainty of Customer Protection in Banking Fraud Cases Using Artificial Intelligence

Authors
Hijriani1, *, Muhammad Nadzirin Anshari Nur2, Sahyunu3, Marfua Hafid1, Adrian Maulana4, Dwi Yuliantari4
1Universitas Sulawesi Tenggara, Kapten Piere Tendean, Kota Kendari, Indonesia
2Universitas Halu Oleo, Kampus Hijau, Kota Kendari, Indonesia
3Universitas Sulawesi Tenggara, Kapten Piere Tendean, Kota Kendari, Indonesia
4Universitas Sulawesi Tenggara, Kapten Piere Tendean, Kota Kendari, Indonesia
*Corresponding author. Email: hijriani@gmail.com
Corresponding Author
Hijriani
Available Online 25 December 2024.
DOI
10.2991/978-2-38476-340-5_2How to use a DOI?
Keywords
Banking Fraud; AI; Legal Certainty; Consumer Protection
Abstract

The rapid development of information technology in the digitalization era has significantly impacted various aspects of society, particularly in the financial services sector. Traditional financial institutions, including banks, have transitioned to digital services, bringing both benefits and challenges, especially in ensuring the security of digital financial systems. This research focuses on the increasing fraud and cybercrime in the banking sector as banks adapt to digital platforms. It explores the effectiveness of existing regulations and the role of artificial intelligence (AI) in detecting and preventing fraud. The study employs a normative approach supported by empirical data, involving the analysis of legal documents and interviews with experts. The main findings indicate that while AI is a powerful tool for fraud prevention, its integration into the legal framework is still lacking. The study concludes that clearer regulations and enhanced AI capabilities are crucial to providing legal certainty and protecting society from the misuse of AI in banking. These findings contribute to the ongoing discussion on the need to strengthen the legal framework and security measures for fraud prevention in the rapidly evolving landscape of digital banking.

Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 6th Open Society Conference (OSC 2024)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
25 December 2024
ISBN
978-2-38476-340-5
ISSN
2352-5398
DOI
10.2991/978-2-38476-340-5_2How to use a DOI?
Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Hijriani
AU  - Muhammad Nadzirin Anshari Nur
AU  - Sahyunu
AU  - Marfua Hafid
AU  - Adrian Maulana
AU  - Dwi Yuliantari
PY  - 2024
DA  - 2024/12/25
TI  - Legal Certainty of Customer Protection in Banking Fraud Cases Using Artificial Intelligence
BT  - Proceedings of the 6th Open Society Conference (OSC 2024)
PB  - Atlantis Press
SP  - 3
EP  - 15
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-340-5_2
DO  - 10.2991/978-2-38476-340-5_2
ID  - 2024
ER  -