This research aims to find out what challenges exist in the implementation of artificial intelligence in
the banking sector and find answers to how the law answers these challenges. This type of research is
normative legal research. Secondary data is used as primary data. Data analysis uses qualitative data
analysis techniques. The conclusion-drawing technique used is deductive. The Technology Readiness
Level (TKT) of this study is TKT No. 2 . Definition/Status is a concept formulation or formulation
application with theoretical and empirical design indicators that have been identified. The findings in
this study are expected that Artificial Intelligence is only one instrument in bank activities. Artificial
Intelligence in various forms of implementation in banking institutions demands the Bank's
responsibility to ensure that its use does not harm the public as customers.