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12 articles for “banking transactions”
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Customer Perception on the Acceptance and Performance of Internet Banking in Public Sector Banks
Abstract: Internet Banking is one of the most promising areas in which today’s banks deal with. They provide easy and simple method to the customers for various financial transactions without any hurdles. The advanced information technology provides full support to the banks for serving their customers. The acceptance of Internet banking has increased gradually and has attracted more and more customers towards banks. The performance can be one criterion on which …
Published in Journal of Production Research & Management · Vol. 2, Issue 1-2-3, 2012 · pp. 25–36 Read article
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Money Laundering Transaction with Machine Learning
Abstract: This study discusses the use of machine learning algorithms to discover firms that are prone to money laundering. The purpose of this research is to develop, describe, and test a machine learning model for determining which bank transactions should be physically scrutinized for money laundering activities. To train a supervised machine learning model, three categories of historical data are required: legitimate "normal" transactions, transactions flagged as suspicious by the bank's …
Published in Current Trends in Information Technology · Vol. 14, Issue 2, 2024 · pp. 1–15 Read article
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Artificial Machine Intelligence Language for Banking Chatbot
Abstract: The developed system introduces a banking chatbot utilizing Artificial Intelligence Markup Language (AIML) to enhance customer interactions within the banking sector. With the increasing demand for efficient customer service and the adoption of automated systems, chatbots have emerged as a pivotal solution for banks to streamline operations and improve user experience. The proposed banking chatbot leverages state-of-the-art natural language processing (NLP) algorithms powered by AIML to interpret user queries, provide …
Published in Journal of Communication Engineering & Systems · Vol. 14, Issue 3, 2024 · pp. 8–13 Read article
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A Study on Perception and Behavior of Consumers Towards Digital Financial Transactions
Abstract: The rapid evolution of digital technology, coupled with increased smartphone usage and proactive governmental policies, has revolutionized the landscape of financial transactions. This study examines consumer perceptions and behavioral patterns related to digital payment systems, with a specific focus on usage trends, preferences, and concerns. Utilizing primary data collected through a structured survey of 110 respondents in North Delhi, the research reveals that digital transactions are predominantly perceived as convenient, …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 2, 2025 · pp. 60–69 Read article
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Enhancing Cyber Security in the Banking Sector Using Biometrics
Abstract: The fast-paced digital evolution within the banking industry has led to a substantial rise in the number of financial transactions conducted through online and mobile platforms. While this transformation has improved customer convenience and service accessibility, it has also exposed banking systems to a wide range of cyber threats, such as identity theft, phishing attacks, credential compromise, and financial fraud. Conventional authentication mechanisms, including passwords and personal identification numbers (PINs), …
Published in International Journal of Wireless Security and Networks · Vol. 4, Issue 1, 2026 · pp. 15–20 Read article
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Security Solutions for Common QR Code Hacking Attempts in a Mobile App
Abstract: In this digital era, more and more customers are opting for financial transactions employing technology-enabled hand-held devices as opposed to the traditional banking. Mobile banking apps are growing to be more and more powerful incorporating various advanced features and customizations such as investments, bill payment, effective budgeting, account history, online shopping, convenient payment, etc. to name a few. This aims at providing convenient banking for a customer from anywhere at …
Published in Journal Of Network security · Vol. 11, Issue 1, 2023 · pp. 8–23 Read article
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A Trust-Enhanced Security Architecture for Authenticating Customer Records in Banking Institutions
Abstract: The growing digital disruption of banking and financial services has completely altered the face of customer onboarding, money transactions, and financial service deliveries. Even as digital technologies provide unparalleled levels of efficiency and accessibility for consumers of financial services, they have also presented new challenges that are equally daunting. Among the growing number of financial threats that digital technology has spawned is the risk of synthetic identity fraud. Unlike identity …
Published in Journal Of Network security · Vol. 14, Issue 1, 2026 · pp. 16–22 Read article
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Impact of UPI on Spending Patterns of Consumers
Abstract: Modalities of digital payment Mobile holdalls have brought simplicity and speed to our lives. The inconvenience, risk, and restrictions of carrying cash can all be removed with the use of widely accessible digital payment services. Discounts, cashbacks, and waivers: Benefits and savings for users of digital payment apps and mobile wallets There are many online payment banks that provide good cash-back deals. As a result, customers cease using cash. However, …
Published in Journal of Microelectronics and Solid State Devices · Vol. 10, Issue 3, 2023 · pp. 22–30 Read article
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Decentralized Voting System Using Blockchain Technology
Abstract: Ethereum is a virtual currency that emerged in the aftermath of the financial crisis. It allows people to bypass banks and traditional payment processes to pay for goods and services. The technology on which ethereum works is of great interest to us. It is called the Blockchain. Blockchain is a continuously growing list of records, which are linked and secured using cryptographic methods. It allows its users the flexibility to …
Published in Research & Reviews: A Journal of Embedded System & Applications · Vol. 8, Issue 2, 2020 · pp. 15–20 Read article
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Enhancing Security of UPI Payments Through Artificial Intelligence
Abstract: The integration of Artificial Intelligence (AI) into modern digital payment systems has brought about a significant transformation in the banking and financial sector. Among these systems, the Unified Payments Interface (UPI), developed by the National Payments Corporation of India (NPCI), has emerged as one of the most successful real-time payment mechanisms due to its simplicity, accessibility, and efficiency. With the incorporation of AI technologies, UPI has witnessed notable improvements in …
Published in International Journal of Mobile Computing Technology · Vol. 3, Issue 2, 2025 · pp. 7–12 Read article
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Proof-of-Minimum Privacy Leak Consensus Strategy in Blockchain
Abstract: In this study, we propose a novel consensus algorithm to preserve the security and privacy of a transaction. We propose a Proof-of-Minimum Privacy Leak consensus strategy. This means that the competing nodes which participate in the competition to mine the next block should give a proof of minimum privacy leak during its transaction. Only this proof will give highest votes to that node, and it will be elected as the …
Published in E-Commerce for Future & Trends Read article
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Smart Shuttle System: An IoT and Machine Learning Based Approach
Abstract: The Smart Shuttle System is an IoT-based system designed to provide a hassle-free, cashless payment experience for students using the shuttle service. The system utilizes RFID (Radio Frequency Identification) technology to identify students and deduct the fare amount from their account. Radio Frequency Identification (RFID) technology is being considered as an alternative to traditional money and Unified Payments Interface (UPI) for making payments due to several advantages it provides over …
Published in International Journal of Satellite Remote Sensing · Vol. 1, Issue 1, 2023 · pp. 9–22 Read article