AI-Driven Smart Banking in the Cloud Era: Enhancing Financial Risk Monitoring, Compliance, and Vendor Collaboration through Digital Forensics
DOI:
https://doi.org/10.15662/IJARCST.2025.0803003Keywords:
Smart Banking, Artificial Intelligence, Cloud Computing, Digital Forensics, Risk Monitoring, Regulatory Compliance, Vendor Collaboration, Financial Analytics, Data Governance, Cybersecurity, Fraud Detection, Anomaly Detection, Trust Management, Cloud Security, Financial ResilienceAbstract
In the evolving landscape of digital finance, cloud-enabled smart banking leverages artificial intelligence (AI) to revolutionize risk monitoring, regulatory compliance, and vendor collaboration. This paper presents an AI-driven framework integrating digital forensics with advanced analytics to ensure data integrity, transparency, and proactive risk mitigation in financial ecosystems. By embedding real-time threat intelligence, anomaly detection, and compliance automation, the model enhances trust and operational resilience across multi-vendor cloud environments. Furthermore, the study explores how digital forensics supports traceability, fraud prevention, and cross-institutional accountability in financial transactions. The integration of AI, cloud-native architectures, and forensic intelligence signifies a paradigm shift toward smarter, secure, and compliant banking operations in the modern financial era.
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