Indonesia

The Regulation establishes binding business standards for companies engaged in AI-based programming activities classified as KBLI 62015 under the 2020 industrial classification. KBLI 2025 subsequently recoded that activity as KBLI 62194, but the Regulation has not yet been formally amended to reflect the new classification. Covered businesses must adopt internal policies on data and AI ethics, meet specified AI/data-science competency requirements, publicly communicate technology innovations subject to privacy and legal requirements, and submit annual reports to the Ministry concerning data management, security and governance.

The Regulation imposes specific obligations on businesses using AI in electronic commerce. Among other requirements, businesses must inform or label AI-generated, displayed, recommended or promoted goods and services so consumers know AI was used and must ensure AI-generated information is accurate and accountable; electronic commerce platform operators must also maintain risk-proportionate internal AI governance and mechanisms for complaints or correction of AI-generated information, recommendations, promotions or services.

The Circular provides ethical guidance for AI-based programming businesses and public and private electronic system operators, addressing principles including inclusivity, humanity, security, transparency, accountability, personal data protection, sustainability and intellectual property. It remains nonbinding guidance and continues to serve as an interim national AI ethics framework while the Government develops binding AI governance rules.

The Guide, issued by OJK with four Indonesian fintech associations, provides principles for responsible and trustworthy use of AI in the fintech sector. It emphasizes beneficial use, fairness and accountability, transparency and explainability, and robustness and security, and is intended to inform industry codes of conduct for AI use.

The Financial Services Authority of Indonesia (OJK) guidance provides a governance and risk-management framework for Indonesian banks developing or deploying AI, including advanced AI systems. It addresses matters including accountability, human oversight, reliability, model and data risks, cybersecurity and responsible AI implementation, and OJK describes it as a minimum benchmark for the banking sector.