LEGAL IMPLICATIONS OF THE IMPLEMENTATION OF ARTIFICIAL INTELLIGENCE IN HONDURAS FINANCIAL SECTOR

Abstract

The article analyses the legal implications derived from the implementation of artificial intelligence (AI) systems in the Honduran financial sector, with the purpose of identifying regulatory gaps or absences and proposing legal guidelines that guarantee an ethical, safe and supervised application of this technology. Through a qualitative approach and the application of the integration of Legal-Dogmatic methods with the Comparative method, the main legal challenges faced by financial institutions in terms of contractual validity, liability for automated decisions, data protection and consumer rights are examined. Likewise, relevant international regulatory experiences are contrasted. The findings reveal the lack of specific regulation, the weakness of state supervision mechanisms and the risk of affecting the fundamental rights of financial users. In response, regulatory guidelines are proposed focused on algorithmic transparency, corporate responsibility, digital education, traceability of automated decisions and institutional strengthening. This study contributes to the academic and legislative discussion on the regulation of AI in the financial field, promoting a responsible and inclusive digital transformation.