Sari, N., Prajoko, D. A., Istiqomah, N. ., Dupi, M., & Maskur, F. . (2026). Transforming Financial Risk Management and Operational Efficiency: The Impact of AI Adoption in Indonesian Banks. Journal of Central Banking Law and Institutions, 5(3), 599–630. https://doi.org/10.21098/jcli.v5i3.442