The Management Study Program, Faculty of Economics and Business (FEB), Universitas Sebelas Maret (UNS), organizes a guest lecture titled “Navigating the Ethics of AI in the Banking Industry” as part of the Business Ethics course on Sunday, October 19, 2025. The virtual session, which conducted via Zoom Meeting, featured Yuni Dwi Wijayanti, S.E., Ak., M.B.A., M.Com., CHRP., PCC., Policy Account Consultant at Hays Consulting Service, New Zealand.

In her presentation, Yuni Dwi Wijayanti explained how Artificial Intelligence (AI) has brought major transformations to the banking industry, ranging from customer service to risk management systems and anti–money laundering (AML) initiatives. The application of AI has become a key element in improving efficiency, speed, and accuracy in the financial sector.

She illustrated several applications, including the use of BNI’s chatbot DINI for 24-hour customer service, the application of machine learning in credit scoring to accelerate credit decision-making, and AI-based fraud detection systems that enhanced financial security in banks such as BNI and Suncorp.

However, beyond these advantages, Yuni emphasized that AI also carries moral and social responsibilities. “AI is not merely a technological tool but a reflection of the values and decisions of the humans who operate it,” she stated.

She highlighted several ethical challenges that need to be addressed, including bias and discrimination in data, lack of transparency in automated decisions, the importance of protecting personal data in accordance with Indonesia’s Personal Data Protection Act (UU PDP) 2022 and New Zealand’s Privacy Act 2020, as well as issues of accountability for system errors.

Yuni highlighted the importance of the principle of explainability—the ability of financial institutions to justify AI-based decisions to their customers. At the global level, AI ethics practices are guided by the OECD AI Principles and the EU AI Act (2024), while Indonesia’s National AI Strategy 2020–2045 provides a national framework emphasizing innovation grounded in ethics and humanity.

Concluding the session, Yuni reminded students to view AI not merely as a tool for efficiency but as a space for ethical decision-making. “AI can replace many human functions, but it will never replace morality, empathy, and responsibility,” she remarked.

This lecture is part of the DIKTISAINTEK BERDAMPAK initiative, reaffirming the Management Study Program’s commitment to providing globally relevant and competitive education. It also supported the achievement of the Sustainable Development Goals (SDGs), particularly Goal 4 (Quality Education) and Goal 9 (Industry, Innovation, and Infrastructure), by strengthening digital ethics literacy in the era of artificial intelligence.