Makmur, Kartini Laras. “Smart Compliance or Silent Violation? Human Rights Challenges in Indonesia’s AI-Based AML Frameworks”. AML/CFT Journal : The Journal of Anti Money Laundering and Countering The Financing of Terrorism 3, no. 2 (June 27, 2025): 249–270. Accessed February 27, 2026. https://journal.ppatk.go.id/index.php/jac/article/view/251.