International Journal on Science and Technology

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Real-Time AI Systems for Fraud Detection and Credit Risk Management: A Framework for Financial Institutions

Author(s) Deepu Komati
Country United States
Abstract This article comprehensively examines artificial intelligence applications in financial risk management, focusing on transitioning from traditional rule-based approaches to advanced machine learning methodologies. The article analyzes the implementation of deep learning techniques for fraud detection systems that identify anomalous transaction patterns in real-time, alongside predictive analytics models that enhance credit risk assessment and optimize loan collection strategies. The article explores cloud-native infrastructures that support AI-driven payment processing optimization, highlighting their role in reducing operational inefficiencies. The article further investigates the regulatory landscape and ethical considerations surrounding AI adoption in financial services, proposing a framework that balances technological innovation with compliance requirements. The article demonstrates that financial institutions implementing AI-driven risk mitigation strategies experience improved threat detection capabilities, enhanced decision-making processes, and greater operational resilience while simultaneously addressing the challenges of transparency, interpretability, and regulatory adherence essential for maintaining stakeholder trust.
Keywords Keywords: Financial risk mitigation, machine learning, fraud detection, predictive analytics, regulatory compliance
Field Computer
Published In Volume 16, Issue 1, January-March 2025
Published On 2025-03-29
Cite This Real-Time AI Systems for Fraud Detection and Credit Risk Management: A Framework for Financial Institutions - Deepu Komati - IJSAT Volume 16, Issue 1, January-March 2025. DOI 10.71097/IJSAT.v16.i1.2974
DOI https://doi.org/10.71097/IJSAT.v16.i1.2974
Short DOI https://doi.org/g899g2
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