ATM Accessibility and Artificial Intelligence in Indonesian Banks Toward Financial Inclusion for All Modes of Disability

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Published Sep 23, 2026
https://doi.org/10.21098/jcli.v5i3.341

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Vol. 5 No. 3 (2026)

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Mutmainah Mutmainah
State Islamic University of Palangka Raya
Mawar Ardiansyah
State Islamic University of Palangka Raya
Wahyu Akbar
Malaysia University of Science & Technology
Akhmad Kamil Rizani
State Islamic University of Palangka Raya
Ma Tin Cho Mar
Malaysia University of Science & Technology

Abstract

For persons with disabilities, access to ATMs in Indonesia remains far from friendly both physically and technologically, keeping essential financial services out of reach for many. In addition, the use of accessibility technology and Artificial Intelligence (AI) in the banking sector is far from optimal and unable to adequately provide financial inclusion for persons with disabilities. Bank Indonesia plays a leading role in promoting financial inclusion through its policies and regulations. The purpose of this study is to analyse the urgency of implementing accessibility technology for ATMs to support financial inclusion for persons with disabilities in Indonesia, and to explore the role of policy in encouraging its implementation. The research method is qualitative, using a descriptive-analytical approach, and secondary data are collected from relevant literature and analysed using thematic analysis. The results indicate that ATM accessibility, as a prerequisite for financial inclusion, requires a multidimensional approach including regulation, physical access, AI-based technology, services, and collaboration. This study also highlights the need for stricter, mandatory regulatory reform and recommends establishing national technical standards, strengthening inclusive banking services, and collaborating with persons with disabilities.

Keywords: accessibility technology, artificial intelligence, disabilities, financial inclusion, Indonesian banking

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How to Cite
Mutmainah, M., Ardiansyah, M., Akbar, W., Akhmad Kamil Rizani, & Cho Mar, M. T. (2026). ATM Accessibility and Artificial Intelligence in Indonesian Banks Toward Financial Inclusion for All Modes of Disability. Journal of Central Banking Law and Institutions, 5(3), 497–520. https://doi.org/10.21098/jcli.v5i3.341

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