AI-Driven FinTech: Intelligent Risk Assessment and Fraud Detection in Digital Financial Ecosystems

This article investigated into how artificial intelligence (AI) could make risk assessment better and stop fraud in digital financial situations. Organizations started using more advanced AI methods like deep learning, reinforcement learning, and graph neural networks because older rule-based systems couldn’t keep up with new types of fraud. The method used feature engineering, adaptive learning, and network analysis to show how DNNs of behavioral relationships are shown in financial records. The authors ran simulations of streaming at scale to check real-time usage, using both simulated and real transaction data sets. The results showed that AI models were better than traditional models when it came to accuracy, scalability, and flexibility. The findings indicated AI-based groundwork towards safe, smart and customer-centric FinTech risk management services.