International Journal on Science and Technology

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AI-Driven Real-Time Transaction Monitoring and Automated Threat Response: Revolutionizing Payment Security

Author(s) Sandeep Jarugula
Country United States
Abstract The integration of AI and automation technologies is fundamentally transforming payment security in financial institutions worldwide. As transaction volumes grow and fraud techniques become more sophisticated, traditional rule-based systems and manual processes are being replaced by intelligent systems capable of real-time monitoring and automated threat response. These advanced systems operate through behavioral analysis, pattern recognition, contextual assessment, and anomaly detection to identify potential fraud with unprecedented accuracy while reducing false positives. Automated response mechanisms implement graduated interventions based on risk levels, balancing security with customer experience. Despite challenges in data quality, latency management, and regulatory explainability requirements, financial institutions are pioneering solutions through collaborative data sharing, edge computing architectures, and explainable AI frameworks. Emerging innovations including federated learning, quantum-resistant cryptography, and behavioral biometrics point to continued evolution in this critical domain, creating a security ecosystem that adapts and learns continuously to protect the global financial infrastructure.
Keywords Payment security, Artificial intelligence, Fraud detection, Automated response, Behavioral biometrics
Field Computer Applications
Published In Volume 16, Issue 1, January-March 2025
Published On 2025-03-22
Cite This AI-Driven Real-Time Transaction Monitoring and Automated Threat Response: Revolutionizing Payment Security - Sandeep Jarugula - IJSAT Volume 16, Issue 1, January-March 2025. DOI 10.71097/IJSAT.v16.i1.2718
DOI https://doi.org/10.71097/IJSAT.v16.i1.2718
Short DOI https://doi.org/g892dx
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