https://mail.insyma.org/proceedings/files/original/articles/Muhammad Izharuddin.pdf Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Proceedings of the International Symposium on Management (INSYMA) (Vol 22, 2025) Proceedings meta_title AI-Finance Odyssey: Challenges, Opportunities, and Cases from Global Practitioners Author #1 Muhammad Izharuddin Abstract/Description The rapid integration of Artificial Intelligence (AI) in the financial and banking sectors presents both transformative opportunities and complex challenges. This study examines practitioner perspectives on AI adoption, analysing 60 YouTube videos featuring industry experts through a grounded-theory approach. Findings reveal key challenges, including regulatory compliance complexities, data quality limitations, ethical risks, and talent shortages, which hinder AI implementation. Conversely, AI offers significant benefits, such as hyper-personalised banking, enhanced fraud detection, automated credit underwriting, and operational cost savings. The study highlights the critical role of human oversight in ensuring transparency and mitigating biases in AI-driven decisions. By bridging practitioner insights with technological advancements, this research provides a framework for responsible AI adoption, emphasising the need for balanced human-AI collaboration to optimise efficiency, inclusivity, and ethical governance in the evolving financial landscape. keywords a;b;c;d Artificial Intelligence, Banking Innovation, Regulatory Compliance, Human-AI Collaboration publication_date 2025/06/20 2025/06/15 pdf_url https://insyma.org/proceedings/files/articles/Muhammad Izharuddin.pdf abstract_html_url https://insyma.org/proceedings/items/show/ https://insyma.org/proceedings/items/show/320 firstpage 57 lastpage 62 issn 3047-857X 3047-857X conference Proceedings of the International Symposium on Management (INSYMA) Proceedings of the International Symposium on Management (INSYMA) publisher_name Fakultas Bisnis dan Ekonomika, Universitas Surabaya Fakultas Bisnis dan Ekonomika, Universitas Surabaya no article 9 Volume 22 authors Muhammad Izharuddin Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource AI-Finance Odyssey: Challenges, Opportunities, and Cases from Global Practitioners Creator An entity primarily responsible for making the resource Muhammad Izharuddin