Skip to content
Research Article Open access CC BY 4.0

AI- Powered Behavioural Biometrics for Fraud Detection in Digital Banking: A Next-Generation Approach to Financial Cybersecurity

Isaac Adinoyi Salami, Anuoluwapo Deborah Popoola, Michael Olayinka Gbadebo, Faith Hauwa Oluwapamilerin Kolo, Temilade Oluwatoyin Adesokan-Imran

Asian Journal of Research in Computer Science · pp. 473–494 · Published 8 Apr 2025

10.9734/ajrcos/2025/v18i4632

Abstract

This study investigates the limitations of traditional fraud detection techniques in digital banking and explores the applicability of AI-powered behavioral biometrics as a next-generation solution for enhancing cybersecurity. Using publicly available datasets, including the PaySim Financial Transactions Dataset, Credit Card Fraud Detection Dataset, and HMOG Dataset, this research applies machine learning models such as Random Forest, Long Short-Term Memory (LSTM) networks, and Convolutional Neural Networks (CNNs). These models were evaluated using quantitative metrics including Accuracy, Precision, Recall, F1 Score, and AUC-ROC. The LSTM network demonstrated superior performance, achieving 97.9% accuracy, 95.6% precision, and 93.4% recall, outperforming other models. The results reveal that deep learning frameworks significantly enhance fraud detection efficiency, minimize false positives, and improve prediction accuracy. Furthermore, the use of publicly available datasets enhances the study’s reproducibility and transparency. Ethical considerations related to privacy, user consent, and algorithmic accountability are also discussed, highlighting the importance of responsible AI deployment in digital banking systems. This research aims to address evolving cybersecurity threats by integrating advanced deep learning models with behavioral biometrics for real-time anomaly detection. The findings demonstrate the effectiveness of AI models in accurately detecting complex fraud patterns and propose practical recommendations for integrating such systems within existing digital banking infrastructures. Recommendations include improving algorithmic transparency, establishing ethical guidelines, and investing in infrastructure upgrades to facilitate seamless implementation. This work offers a valuable foundation for future research aimed at developing robust and adaptive fraud detection systems that prioritize both efficiency and ethical compliance.

Behavioral biometrics LSTM network fraud detection deep learning digital banking

Cited by 15

OTP-BCAD: explainable behavioral risk intelligence for early detection of OTP fraud in mobile banking sessions

Tolga Mahramanlıoğlu, M. Vural · Journal of Computer Virology and Hacking Techniques · 2026

A Study on the Role of AI in Shaping Financial Confidence and Sustained UPI Usage with Reference to Tamil Nadu

V. Padmalatha, M. Kalaivani · Indian Journal of Information Sources and Services · 2026

Responsible AI in financial identity verification and risk mitigation

A. Bello, Charles U. Uzoma, Simon Atadoga · Discover Sustainability · 2026

Contrastive Learning for Behavioural Biometrics-Based Authentication and Fraud Prevention

S. N, Rajavel J, Kalaiyarasi V · 2026 International Conference on Connected Intelligence for Industrial Applications (CI2A) · 2026

QDImResSpSA: An Enhanced Deep Learning Framework For Credit Card Fraud Detection

Y. Ángel, C. K. · 2026 5th International Conference on Sentiment Analysis and Deep Learning (ICSADL) · 2026

Blockchain Payment Fraud Detection with a Hybrid CNN-GNN-LSTM Model

Haoran Zheng, Yuqing Lin, Qi He · 2026 6th International Conference on Consumer Electronics and Computer Engineering (ICCECE) · 2026

AI-Powered Based Fraud Detection Using Graph Neural Network for Mobile Payment System

S. Mukkamala · International Journal of Scientific Research in Computer Science Engineering and Information Technology · 2026

Pengaruh Automasi Verifikasi Identitas terhadap Waktu Penyelesaian Layanan dan Tingkat Kesalahan Transaksi: Studi Simulasi pada Proses Fulfillment

Syifa Fikroh Al Kaamil, Afaf Afaf, M. A. Yaqin · Journal Automation Computer Information System · 2025

Behavioral Biometrics-Based Intrusion Detection in Online Banking Using LSTM Networks

Karrar M. Khudhair, Riyad Hassoon Jabbar, Mustafa Hussein Hasan · International Conference on Electrical Engineering and Informatics · 2025

A Review on Financial Fraud Detection: Techniques, Challenges, Solutions, and Perspectives

S. Bouchama, Samir Ouchani, Hafida Bouarfa · 2025 International Conference on Intelligent Computer Systems, Data Science and Applications (IC2SDA) · 2025

Article metrics

Real usage data collected on this platform.

0

Page views

0

PDF downloads

0

Outbound clicks

15

Citations

Views by country

Approximate, from request IP at view time — not citizenship or institution. Countries with fewer than 5 views are grouped as "Other".

No views recorded yet.

Traffic sources

Referring site, by host.

No traffic recorded yet.

Views and downloads exclude known bots/crawlers. Citations combines this platform's own DOI-resolved index with each external source's own reported total — see Cited by above for individually listed citing works. Last refreshed 0 seconds ago.