Daftar Pustaka
Pendekatan MRM yang adaptif dan terukur akan menjadi jembatan antara akselerasi inovasi keuangan otonom dan mitigasi risiko sistemik. Kerangka ini mendorong sektor keuangan untuk memanfaatkan efisiensi AI untuk pendalaman pasar keuangan sekaligus memastikan keuangan otonom yang terkendali (human- on-the-loop), serta menjamin perlindungan konsumen yang berkeadilan.
Acharya, V. (2025). Secure autonomous agent payments: Verifying authenticity and intent in a trustless environment. arXiv preprint arXiv:2511.15712.
Aldasoro, I., Gambacorta, L., Korinek, A., Shreeti, V., & Stein, M. (2024). Intelligent financial system: How AI is transforming finance (BIS Working Papers No. 1194). Bank for International Settlements. Baker McKenzie. (2026, January). Singapore: Governance framework for agentic AI launched. https://www.bakermckenzie.com/en/insight/publications/2026/01/singapore-governance-fr amework-for-agentic-ai-launched
Bank for International Settlements. (2025). Managing explanations: How regulators can address AI explainability (FSI Occasional Papers No. 24).
Bank of England Prudential Regulation Authority. (2026). Model risk management principles for banks (Supervisory Statement SS1/23). Bank of England. https://www.bankofengland.co.uk/-/media/boe/files/prudential-regulation/supervisory-state ment/2026/liaf0126app5.pdf
Bank of England. (2022). Artificial Intelligence and Machine Learning (Discussion Paper 5/22). Bank for International Settlements.
Board of Governors of the Federal Reserve System. (2026, April 17). Supervisory guidance on model risk management (SR Letter 26-2). Board of Governors of the Federal Reserve System.
Chaudhry, A. U. (2026). KYS: Know your swarm—A governance framework for multi-agent AI systems across autonomous economies. Available at SSRN 7156419.
Crisanto, J. C., Leuterio, C. B., Prenio, J., & Yong, J. (2024). Regulating AI in the Financial Sector: Recent developments and Main Challenges. Bank for International Settlements, Financial Stability Institute. Otoritas Jasa Keuangan. (2025). Tata Kelola Kecerdasan Artifisial Perbankan Indonesia .
Davidovic, S., & Tourpe, H. (2026). How Agentic AI Will Reshape Payments (IMF Notes No. 2026/004). International Monetary Fund.
European Parliament, & Council of the European Union. (2014). Directive 2014/65/EU of the European Parliament and of the Council of 15 May 2014 on markets in financial instruments and amending Directive 2002/92/EC and Directive 2011/61/EU (MiFID II). Official Journal of the European Union, L 173, 349–496. http://data.europa.eu/eli/dir/2014/65/oj European Parliament, & Council of the European Union. (2022). Directive (EU) 2022/2556 of the European Parliament and of the Council of 14 December 2022 amending Directives 2009/65/EC, 2009/138/EC, 2011/61/EU, 2014/65/EU and (EU) 2015/2366 as regards digital operational resilience for the financial sector. Official Journal of the European Union, L 333, 153–163. http://data.europa.eu/eli/dir/2022/2556/oj Infocomm Media Development Authority (IMDA). (2026, January 22). Singapore launches new Model AI Governance Framework for Agentic AI [Press release]. https://www.imda.gov.sg/resources/press-releases-factsheets-and-speeches/press-releas es/2026/new-model-ai-governance-framework-for-agentic-ai OECD (2026), “Supervision of artificial intelligence in finance: Challenges, policies and practices”, OECD Artificial Intelligence Papers, No. 54, OECD Publishing, Paris, https://doi.org/10.1787/92743dc1-en. Office of the Superintendent of Financial Institutions. (2025, September 11). Guideline E-23 – Model Risk Management (2027). Government of Canada. https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/guideline-e-23-model-risk-manag ement-2027
Otoritas Jasa Keuangan. (2024). Peraturan OJK No. 3 Tahun 2024 tentang Penyelenggaraan Inovasi Teknologi Sektor Keuangan.
Parasuraman, R., & Manzey, D. H. (2010). Complacency and bias in human use of automation: An attentional integration. Human factors, 52(3), 381-410.
Pérez-Cruz, F., Prenio, J., Restoy, F., & Yong, J. (2025). Managing explanations: how regulators can address AI explainability. FSI Occasional Papers, (24).
Republik Indonesia. (2023). Undang-Undang No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (UU P2SK) .
Swiss Financial Market Supervisory Authority. (2024, December 18). Governance and risk management when using artificial intelligence (FINMA Guidance 08/2024). https://www.finma.ch/en/~/media/finma/dokumente/dokumentencenter/myfinma/4dokumen tation/finma-aufsichtsmitteilungen/20241218-fainma-aufsichtsmitteilung-08-2024.pdf
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Beyond Infinity September 2026
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