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eISSN: 2581-9615 || CODEN: WJARAI || Impact Factor 8.2 ||  CrossRef DOI

Research and review articles are invited for publication in March 2026 (Volume 29, Issue 3) Submit manuscript

AI-powered digital banking risk detection: Moving from post-transaction to pre-transaction intelligence

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  • AI-powered digital banking risk detection: Moving from post-transaction to pre-transaction intelligence

Sandeep Ravichandra Gourneni *

Acharya Nagarjuna University, India.

Review Article

World Journal of Advanced Research and Reviews, 2025, 26(01), 3931-3939

Article DOI: 10.30574/wjarr.2025.26.1.1552

DOI url: https://doi.org/10.30574/wjarr.2025.26.1.1552

Received on 21 March 2025; revised on 26 April 2025; accepted on 29 April 2025

This scholarly article examines the paradigm shift in digital banking risk detection from traditional post-transaction analysis to pre-transaction intelligence powered by artificial intelligence. The transformation represents a fundamental change in how financial institutions approach fraud prevention and risk management. Through an analysis of current technological frameworks, implementation challenges, and emerging capabilities, this paper demonstrates how pre-transaction intelligence is revolutionizing the banking sector's approach to security while balancing customer experience considerations

AI-Powered Banking; Pre-Transaction Intelligence; Fraud Detection; Machine Learning Architectures; Behavioral Biometrics

https://wjarr.com/sites/default/files/fulltext_pdf/WJARR-2025-1552.pdf

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Sandeep Ravichandra Gourneni. AI-powered digital banking risk detection: Moving from post-transaction to pre-transaction intelligence. World Journal of Advanced Research and Reviews, 2025, 26(1), 3931-3939. Article DOI: https://doi.org/10.30574/wjarr.2025.26.1.1552

Copyright © Author(s). All rights reserved. This article is published under the terms of the Creative Commons Attribution 4.0 International License (CC BY 4.0), which permits use, sharing, adaptation, distribution, and reproduction in any medium or format, as long as appropriate credit is given to the original author(s) and source, a link to the license is provided, and any changes made are indicated.

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