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The integration of Artificial Intelligence (AI) chatbots into customer service operations within digital banks has become a transformative trend in the banking sector, particularly in Indonesia. This study examines the effectiveness of AI chatbots in improving both operational efficiency and customer satisfaction in three selected Indonesian digital banks. The research focuses on evaluating the impact of AI chatbots in reducing response times, handling high volumes of customer inquiries, and improving service availability. The study also delves into customer feedback, measuring satisfaction with the ease of use, personalization, and responsiveness of the AI systems. The results demonstrate that AI chatbots significantly enhance customer service efficiency by reducing wait times and automating routine inquiries, which reduces the need for human intervention. Additionally, customers reported high satisfaction with the round-the-clock availability of AI chatbots and the personalized financial advice provided. However, despite these benefits, challenges related to data security, chatbot accuracy, and customer adaptation to automated systems remain prevalent. Data privacy concerns and issues regarding the chatbot's ability to handle complex queries were noted as limiting factors in customer trust and satisfaction. The study highlights the implications of these findings for the future of digital banking in Indonesia, emphasizing the need for improved chatbot integration, stronger data security measures, and enhanced user experience design. The integration of AI in customer service operations holds significant potential for digital banks and the broader financial sector to improve operational efficiency, reduce costs, and meet the evolving expectations of customers.

More time can be identified by applying AI to Big Data analysis in order to automate business processes on the platform. With the advent of AI and machine learning technologies, businesses can now interact with customers automatically because these technologies can provide honest feedback directly from customers. Many businesses currently use chatbots, which enable employees to communicate with customers around-the-clock. In business, machine learning can help determine the status of goods shipment. Data-data is time-based information that is analyzed to make it suitable for determining the status of the transaction. In addition, the use of machine learning can provide information about often purchased goods and assist consumers in examining goods that are highly valued

Perjanjian yang terjadi dalam pinjaman online pun harus didasarkan dengan undang-undang yang berlaku dalam segala aspek yang dilakukannya. Syarat sah suatu perjanjian yang dilakukan dalam transaksi tersebut haruslah sesuai dengan Pasal 1320 KUHPerdata. Sedangkan terkait pinjam meminjam sendiri harus sesuai dengan yang telah diatur oleh Pasal 19 ayat (1) POJK No. 77/POJK.01/2016. Maraknya masyarakat yang menggunakan pinjaman online membuat banyaknya perusahaan-perusahaan pinjaman online yang tersebar di masyarakat menjadikan penyebab dari banyaknya kasus penyalahgunaan kewenangan yang dimiliki oleh perusahaan pinjaman online. Kasus yang marak terjadi akibat pinjaman online illegal ini yaitu adalah ancaman dan juga penyebaran data pribadi. Perlindungan data pribadi itu sendiri telah diatur dalam Pasal 26 UU No. 19 Tahun 2016 Tentang Perubahan atas Undang-Undang Nomor 11 Tahun 2008 Tentang Informasi.

Text has become an essential interaction manner between people. The use of chatbots improved quickly in business area including marketing, customer service and e-commerce. Users value chatbots because they are fast, intuitive and convenient. This paper discussed about the artificial intelligence technology that used to develop and implement chatbots which can the organization used to benefit in their businesses. A chatbot is a computer program that can interact with a human by using natural language. The main three areas in business that using chatbot the most are marketing, customer service and e-commerce fields. The roles of chatbot in mentioned areas has been discussed in this paper. AI powered chatbots transform business by reducing costs, increasing revenue and enhancing the customer experience. The benefits and limitation of chatbots have been also discussed in this paper.

Covid-19 pandemic that hit almost all countries and no exception beloved our country Indonesia, has resulted in destruction and the collapse of the community’s economy. At the same time there is information about the covid-19 virus that still needs to be questioned about the validity of the source. With the development of technology in today’s era, it is easier for us to filter information that has valid sources so that there are no misunderstandings about the information obtained. So on this basis, this study aims to develop a chatbot model regarding Covid-19 in a relevant and fast manner according to the questions and statements entered. Chatbot itself is an Artificial Intelligence-based program or we can call it a digital assistant, which can simulate user conversations or chats like humans through an application either based on Android or the web. By using chatbot technology, users can get valid and relevant answers whose sources are clear so as not to cause anxiety and also make it easier for users to get information about the Covid-19 virus.   Keywords: Covid-19; Technology; Chatbot; Artifical Intelligence

Perkembangan kecerdasan buatan telah dimanfaatkan dalam berbagai bidang, salah satunya adalah bidang hukum. Hukum di Indonesia memiliki banyak peraturan perundang-undangan yang membuat masyarakat kesulitan dalam mencari dan mengetahui peraturan yang ada. Oleh sebab itu, dibutuhkan sebuah aplikasi bernama “Peraturanku” yang dapat memudahkan masyarakat dalam mencari informasi mengenai peraturan perundang-undangan. Aplikasi dilengkapi dengan fitur chatbot yang merupakan penerapan dari kecerdasan buatan. Chatbot merupakan teknologi yang mengolah masukan berupa teks dan kemudian menghasilkan kata kunci untuk memberikan respon atau jawaban. Penggunaan chatbot dapat memudahkan pengguna dalam berkomunikasi dan mendapatkan informasi mengenai pertanyaan seputar peraturan yang ada pada aplikasi. Dalam penelitian ini akan dilakukan analisis terhadap pembangunan chatbot menggunakan algoritma Machine Learning yaitu Artificial Neural Network dan pendekatan Natural Language Processing. Tahapan yang akan dilakukan adalah pengumpulan dataset, text preprocessing dan pengklasifikasian data. Tahapan text preprocessing akan diolah menggunakan pendekatan Natural Language Processing, dimana hasilnya akan digunakan dalam proses pelatihan data menggunakan algoritma Artificial Neural Network untuk menghasilkan model chatbot. Model kemudian diuji dengan menggunakan 35 percakapan yang berbeda dan berhasil menjawab tepat sebanyak 33 percakapan dan mendapatkan tingkat akurasi tinggi sebesar 94,28% dan kesalahan 5,71%. Model chatbot tersebut kemudian disimpan ke dalam file dengan format TensorFlow Lite untuk digunakan dalam aplikasi “Peraturanku”.