Perbanas Survey: Most Indonesian Banks Unfamiliar with OJK's AI Governance Guide
The association's research found only 43 of 91 respondent banks knew the OJK AI governance guidelines, while 82% rated data privacy as the top AI risk.
Research by Perbanas, Indonesia's association of commercial banks, shows a wide literacy gap on AI governance. Of 91 respondent banks, only 43 said they were aware of the OJK's AI governance guidelines for banking, published in 2025. Training in AI governance was the most requested form of support, cited by 66 respondents. On risk priorities, 82% of respondents ranked data privacy as the AI risk most in need of control, ahead of cybersecurity at 44% and regulatory risk at 41%.
The findings land in a fast-adoption context: sector data cited alongside the survey shows AI adoption in Indonesian banking rising from roughly 30% in 2024 to 57.9% by Q1 2026, with AI now handling 35–40% of customer interactions. The OJK has also highlighted agentic AI as the next trend while stressing that AI must not become the sole basis for credit decisions.
The figures come via media coverage of the research; the underlying Perbanas document has not been independently reviewed, so the numbers should be read as reported rather than verified. Still, the gap between adoption and governance capability is unusually well quantified for the sector.