Journal of Advances in Developmental Research

E-ISSN: 0976-4844   •   Impact Factor: 9.71

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2026

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AI-Driven Banking Technologies and Their Effectiveness in Improving Fraud Detection Mechanisms in Digital Banking Services

Author(s) Poonam Saini, Arjun Khateek
Country India
Abstract The growing expansion of digital banking has increased the need for stronger fraud detection mechanisms that can respond to complex and fast-moving transaction risks. In this context, AI-driven banking technologies have gained importance for their ability to support transaction monitoring, real-time alerts, suspicious activity identification, and customer confidence in digital banking security. The present study examines the effectiveness of AI-driven tools and systems in improving fraud detection mechanisms in digital banking services. The study followed a quantitative approach and used a structured questionnaire based on fifteen Likert-scale statements covering five dimensions of AI-enabled fraud detection. Data were collected from 318 digital banking users and analysed through descriptive statistics, reliability analysis, one-sample t-test, and one-way ANOVA. The findings indicate that respondents generally perceived AI-driven banking technologies as effective in strengthening fraud detection mechanisms. The overall effectiveness score was above the neutral level, and the hypothesis testing results showed a significant difference in respondents’ perceptions. The results also revealed significant perception differences across age groups, with younger respondents reporting more favourable views. The study contributes to understanding user perceptions of AI-enabled fraud detection and offers practical relevance for banks seeking to improve digital banking security, customer trust, and fraud monitoring systems.
Keywords AI-Driven Banking, Fraud Detection, Digital Banking Security, Artificial Intelligence in Finance, Customer Trust
Field Business Administration
Published In Volume 17, Issue 1, January-June 2026
Published On 2026-05-27
Cite This AI-Driven Banking Technologies and Their Effectiveness in Improving Fraud Detection Mechanisms in Digital Banking Services - Poonam Saini, Arjun Khateek - IJAIDR Volume 17, Issue 1, January-June 2026.
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