Threat Dynamics and Adaptation of Anti Money Laundering Regulations: A Systematic Review

Ickhsanto Wahyudi; Indo Yama; Muhammad Said

doi:10.59593/amlcft.2026.v4i2.272

Penulis

Ickhsanto Wahyudi Faculty of Economics and Business, Universitas Esa Unggul, https://orcid.org/0000-0002-8204-2575
Indo Yama Faculty of Economics and Business, Universitas Islam Negeri Syarif Hidayatullah,
Muhammad Said Faculty of Economics and Business, Universitas Islam Negeri Syarif Hidayatullah, https://orcid.org/0000-0002-4716-9327

DOI:

https://doi.org/10.59593/amlcft.2026.v4i2.272

Kata Kunci:

AML, Mata Uang Kripto, PRISMA, RegTech

Abstrak

Praktik anti pencucian uang di Indonesia menghadapi tantangan kompleks yang dipicu oleh inovasi dalam praktik kejahatan keuangan. Penelitian ini memetakan ancaman, perkembangan hukum, dan respons teknologi dalam rezim anti pencucian uang nasional menggunakan metode Systematic Literature Review (SLR) berbasis pedoman PRISMA terhadap 25 artikel terindeks Scopus (2014-2025). Hasil penelitian merangkum empat temuan fundamental. Pertama, pola kejahatan bergeser ke arah aset digital seperti kripto dan platform daring, serta risiko yang berkaitan dengan kebijakan karbon. Kedua, adanya celah kerangka hukum terkait aset virtual dan penguatan alat bukti elektronik. Ketiga, meningkatnya kegunaan machine learning dan Regulatory Technology (RegTech) untuk mengoptimalkan deteksi dan compliance. Keempat, masih terdapat kesenjangan penelitian yang signifikan, meliputi studi empiris mengenai penyalahgunaan kripto dan pasar karbon yang terbatas, lemahnya analisis biaya-manfaat adopsi RegTech pada lembaga keuangan skala kecil dan menengah, serta minimnya perhatian terhadap aspek budaya dan perilaku dalam kepatuhan. Temuan ini menyajikan bukti komprehensif bagi perumus kebijakan dan lembaga keuangan. Efektivitas praktik anti pencucian uang di masa depan sangat bergantung pada regulasi yang adaptif, adopsi teknologi yang tepat sasaran, serta penguatan koordinasi antar pemangku kepentingan.

Unduhan

Data unduhan belum tersedia.

Referensi

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