International Journal on Science and Technology

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Call for Paper Volume 16 Issue 4 October-December 2025 Submit your research before last 3 days of December to publish your research paper in the issue of October-December.
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Volume 16 Issue 4
October-December 2025

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Optimized Machine Learning and Deep Learning Approaches for Effective Detection of Fraud in Unified Payments Interface (UPI) Transactions

Author(s) Jitender Kumar, Nisha Rani
Country India
Abstract India's quick adoption of the Unified Payments Interface has revolutionized digital transactions by making fund transfers quick, safe, and easy. But this exponential expansion has also resulted in a rise in fraud, which poses serious problems for user confidence and financial stability. In order to identify suspicious patterns and stop financial losses, this review paper highlights the importance of machine learning and deep learning algorithms. It also looks at recent developments in fraud detection techniques applied to UPI transactions. The ability of a variety of supervised and unsupervised models, including Decision Trees, Random Forests, Support Vector Machines, Neural Networks, and sophisticated deep architectures like Convolutional Neural Networks, Recurrent Neural Networks, and Autoencoders, to identify anomalies in large amounts of transaction data is examined.
The review emphasizes real-time detection mechanisms, feature engineering, and data preprocessing as ways to improve model responsiveness and accuracy. The paper also addresses the difficulties associated with data imbalance, changing fraud trends, and privacy issues in UPI systems. It comes to the conclusion that fraud detection capabilities in India's quickly expanding digital payment ecosystem may be greatly enhanced by combining explainable AI, blockchain-based frameworks, and hybrid ML–DL models.
Keywords Transaction Data Analysis, Anomaly Detection, Cybersecurity in Banking, Neural Networks, Supervised Learning
Field Computer > Artificial Intelligence / Simulation / Virtual Reality
Published In Volume 16, Issue 4, October-December 2025
Published On 2025-11-21
DOI https://doi.org/10.71097/IJSAT.v16.i4.9525
Short DOI https://doi.org/hbb8gj
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