https://irshadjournals.com/index.php/ijlp <p>The International Journal of Law and Policy (ISSN:3005-2289) publishes interdisciplinary research that develops particular legal or social scientific research about law and legal institutions, including critiques and extended points of view. This independent, peer-reviewed publication encourages empirical and multi-disciplinary research and welcomes articles on law and its relationship with policies. An international editorial team creates a forum for scholars to exchange ideas on law and policy issues around the world. The Journal has gained a reputation for innovative publishing that links cutting-edge research with open access and speedy publication. It creates a link between legal professionals, policymakers, and scholars of the law and policies.</p> Irshad en-US International Journal of Law and Policy 3005-2289 https://irshadjournals.com/index.php/ijlp/article/view/318 <p>After laying out the basics surrounding generative AI (Artificial Intelligence) and introducing Japan's efforts, this paper examines how democracy and financial regulation including Central Bank Digital Currencies (CBDCs) can be made to work well in a human-centered manner in the face of increasing AI. Specifically, the paper proposes the use of AI technology to implement “broad listening” in order to improve the situation in representative democracy, where representatives are prone to corruption. “Broad listening” should also be actively utilized in financial regulation, as it can accurately absorb public opinion and allow various financial participants to accurately report risks to the regulator, even though AI can easily become a black box.</p> Takashi Kubota Copyright (c) 2025 Takashi Kubota https://creativecommons.org/licenses/by/4.0 2025-04-30 2025-04-30 3 4 1 19 10.59022/ijlp.318