Innovations in Cardless Artificial Intelligence Banking: A Comprehensive Framework for Cyber Secure and Fraud Mitigation using Machine Learning Algorithms

• URL: http://arxiv.org/abs/2605.22604v1
• Date: Thu, 21 May 2026 15:17:50 GMT
• Title: Innovations in Cardless Artificial Intelligence Banking: A Comprehensive Framework for Cyber Secure and Fraud Mitigation using Machine Learning Algorithms
• Abstract summary: This paper outlines a comprehensive framework designed to enhance cybersecurity, introduce auto-generated virtual cards, and mitigate fraud risks within cardless AI banking systems.<n>The framework envisions a future banking architecture that employs AI-powered data cryptography to create secure virtual cards for seamless transactions.
• Score: 0.0
• License: http://creativecommons.org/licenses/by/4.0/
• Abstract: The advent of cardless artificial intelligence (AI) banking heralds a paradigm shift in the financial landscape, offering users unprecedented security and convenience. This paper outlines a comprehensive framework designed to enhance cybersecurity, introduce auto-generated virtual cards, and mitigate fraud risks within cardless AI banking systems. The framework envisions a future banking architecture that employs AI-powered data cryptography to create secure virtual cards for seamless transactions. By emphasizing secure communication channels, it ensures the integrity of financial activities among banking systems, cardholders, and third-party vendors. AI-based authorization methodologies play a pivotal role in authenticating each transaction while proactively identifying potential fraud, demonstrating the framework's efficacy in fortifying cardless AI banking security. The initial approach, featuring an AI-driven, feature-based banking system, ensures the generation of virtual cards with encrypted data, minimizing information exposure and reducing fraud risks. Integrating a machine learning algorithm adds an additional layer of protection against potential fraudulent activities. In conclusion, the proposed framework establishes a holistic cybersecurity and fraud-mitigation paradigm for cardless AI banking systems. Its implementation empowers financial institutions to address security concerns associated with traditional banking, paving the way for a future banking landscape that is not only fraud-resistant but also secure and convenient for users.

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