PERBANAS × IBM Whitepaper: The AI Governance Gap at Indonesian Banks

Of 91 Indonesian banker respondents: 73% rated digital sovereignty highly relevant to the transformation agenda over the next 12–24 months; relevance scored 3.98/5 but the maturity of AI governance processes (documentation, validation, performance monitoring, periodic review, human oversight) was only 2.74/5. 82% cited data privacy as the #1 AI risk (ahead of cyber at 44% and regulation at 41%). Only 4% have scaled AI across functions with formal governance; only 9% have a complete, up-to-date AI use case registry. 66 of 91 respondents requested AI governance training. Regulatory context: the OJK's banking AI governance guidelines (2025) and