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primary topic: AI Risk Governance in Islamic Digital Finance

AI Risk Governance in Islamic Digital Finance
type: AcademicArticle
type: Article
abstract: Purpose – The rapid integration of artificial intelligence (AI) into digital financial systems has created opportunities for innovation while simultaneously generating complex governance challenges. Although AI improves efficiency and financial inclusion, it also introduces risks related to cybersecurity, data governance, institutional readiness and regulatory compliance. This study aims to identify and prioritize AI-related risks in digital financial systems and examine their implications for AI governance, particularly in the context of Islamic digital finance. Design/methodology/approach – This study employs a quantitative approach based on a survey of 260 respondents to evaluate perceptions of AI-related risks in digital financial environments. The Failure Mode and Effects Analysis (FMEA) framework is used to assess risks across four dimensions: potential occurrence, frequency, impact and detection capability. Risk Priority Numbers are applied to rank and classify risks, complemented by multilevel analysis at both category and item levels. Findings – The findings indicate that the most significant risks are primarily governance-related rather than technological. Risk management capacity, human capital constraints and Sharia compliance emerge as dominant dimensions shaping AI risk governance. The analysis also shows that AI risk structures are nonuniform. While aggregate-level analysis identifies governance-related risks as dominant, item-level analysis reveals concentrated vulnerabilities, particularly cybersecurity risks, that may remain obscured within broader classifications. The findings further suggest the presence of a governance execution gap, where institutional awareness of AI-related risks is not always followed by effective mitigation practices. Research limitations/implications – This study relies on perception-based survey data, which reflects respondents’ assessments of AI-related risks rather than direct observations of technological failures in r…
date: 2026
is part of: Emerald Publishing Limited
status: peerReviewed
status: published
author list: authors
type: EPrint
type: ArticleEPrint
is part of: repository
has document: AI Risk Governance in Islamic Digital Finance (Text)
has version: AI Risk Governance in Islamic Digital Finance (Text)
has published: AI Risk Governance in Islamic Digital Finance (Text)
subject: Keuangan Islam

AI Risk Governance in Islamic Digital Finance (Text)
type: Document
has file: AI Risk Governance in Islamic Digital Finance.pdf
has part: AI Risk Governance in Islamic Digital Finance.pdf

AI Risk Governance in Islamic Digital Finance (Text)
type: Document
has file: surat-surat-pernyataan1780969247.pdf
has part: surat-surat-pernyataan1780969247.pdf

DIGITAL POLICY, REGULATION AND GOVERNANCE
type: Organization

Emerald Publishing Limited
type: Collection
issn: 23985038

- Darmawan
type: Person
given name: -
family name: Darmawan

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primary topic: AI Risk Governance in Islamic Digital Finance

Keuangan Islam
type: Concept