The Utilization of Artificial Intelligence and Chatbots in the Personalization of Islamic Financial Products in Indonesia

Sulistiara Putri, Nur Fitri Hidayanti, Muhirdan Muhirdan, Mukhlishin Mukhlishin, Nur’aini Nur’aini

Abstract


Abstract: This study aims to examine the utilization of Artificial Intelligence (AI) and chatbots in the personalization of Islamic financial products in Indonesia through a Systematic Literature Review (SLR). The analyzed literature was sourced from internationally recognized databases, namely Scopus, the Directory of Open Access Journals (DOAJ), and Google Scholar, covering publications from 2015 to 2025. The findings reveal that the application of AI and chatbots has made significant contributions to innovation across multiple sectors, including Islamic finance, education, and healthcare. Within the context of Islamic finance, AI serves as a strategic instrument to enhance operational efficiency, deliver personalized services, and support Sharia compliance through real-time violation detection mechanisms. In the field of education, AI-powered chatbots have been shown to improve conceptual understanding, literacy skills, and student engagement through adaptive interaction. In healthcare, chatbots provide psychological and therapeutic support with personalized approaches that foster user attachment. These findings underscore that the integration of AI and chatbots not only enhances service quality but also expands Islamic financial inclusion, strengthens the educational ecosystem, and supports adaptive healthcare services. Accordingly, this study contributes theoretically to the growing body of literature on technology-driven Islamic finance, while offering practical implications for policymakers and service providers in designing innovative, ethical, and Sharia-compliant digital ecosystems.

Keywords


Artificial Intelligence, Chatbots, Islamic Finance

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References


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