Famous Journal of computer science and Technology
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publication name: Famous Journal of computer science and Technology
items: Explainable Machine Learning Models for Fraud Prevention and Secure Data Governance in FinTech
items: Zero Trust Architecture in AI Powered Financial Systems with Advanced Data Encryption Standards
items: Threat Detection in FinTech Platforms Using Deep Learning and Cryptographic Safeguards
items: Blockchain Integrated AI Systems for Secure Digital Payments and Financial Data Protection
items: Adaptive Risk Scoring Models in FinTech Leveraging Artificial Intelligence and Privacy-Preserving Encryption
items: Secure Financial Transactions through Machine Learning Based Anomaly Detection and End to End Data Encryption
items: Federated Learning Frameworks for Financial Security with Encrypted Model Aggregation
items: AI Driven Fraud Detection in FinTech Using Advanced Machine Learning and Encrypted Data Pipelines
items: Market Predictability in the Digital Age: The Influence of Online Sentiment on Equity Price Movements
items: Serverless Computing Adoption Models for Faster Fintech Product Iteration
items: Multi Cloud reliability engineering for payment processing products
items: Human AI collaboration in Cybersecure Digital Product Management
items: Cyber risk scoring and prioritization tools for fintech feature deployment
items: Impact of regulatory compliance automation on fintech product scalability
items: Anomaly Detection Systems for Fintech Product Workflows Using Deep Learning
items: Predictive Fraud Defense Models for Fintech Using Threat Intelligence Data
items: Cybersecurity governance frameworks for fintech product managers
items: Secure API Product Design for Open Banking and PSD2 Compliant Platforms
items: Threat modeling automation for fintech product teams using AI-based risk engines
items: Zero trust product architectures for high risk fintech environments
items: Automation of product visioning and planning using generative AI in Fintech
items: Strategic product roadmapping using multi cloud financial infrastructure insights
items: Integrating Generative AI with AEM for Dynamic Content Generation
items: Headless CMS with AEM: Building Omnichannel Digital Experiences
items: Secure AEM Integrations Using OAuth and Adobe I/O Runtime
items: The Evolution of Web Content Management: From Static HTML to Adobe Experience Manager

Explainable Machine Learning Models for Fraud Prevention and Secure Data Governance in FinTech
type: item
description: As FinTech platforms handle increasing volumes of sensitive financial transactions, ensuring fraud prevention while maintaining transparent and accountable AI systems is critical. Traditional black-box machine learning models, although effective at anomaly detection, lack interpretability, limiting trust and regulatory compliance. This paper proposes an integrated framework of explainable machine learning models for fraud prevention combined with secure data governance mechanisms. The approach leverages interpretable models (e.g., SHAP, LIME, and attention-based neural networks) to provide transparency in decision-making, while advanced encryption and access controls ensure secure data handling. Experiments demonstrate that explainable AI improves stakeholder trust, supports regulatory compliance, and maintains high fraud detection performance without compromising data security. The framework establishes a foundation for responsible, secure, and interpretable AI adoption in modern FinTech ecosystems.
subject: Articles
  topic: section
subject: Zero-Trust Architecture, AI-Powered Financial Systems, Advanced Encryption Standards
  topic: keywords
creator: Diljeet Kumar
rights: Copyright (c) 2026
date: 2026-02-08
publication date: 2026-02-08
starting page: 86
ending page: 95

Zero Trust Architecture in AI Powered Financial Systems with Advanced Data Encryption Standards
type: item
description: Financial systems powered by artificial intelligence (AI) are increasingly targeted by sophisticated cyber threats, insider attacks, and data breaches. Traditional perimeter-based security models are insufficient for modern decentralized and cloud-based financial infrastructures. This paper proposes for AI-powered financial systems, integrating advanced data encryption standards (AES, RSA, and elliptic curve cryptography) to ensure secure data access, storage, and computation. The architecture enforces continuous verification of users, devices, and AI workflows while employing strong cryptographic safeguards. Experimental evaluation demonstrates that the zero-trust framework combined with AI-driven monitoring significantly reduces the risk of unauthorized access and data leakage while maintaining high system performance. The proposed approach offers a resilient, scalable, and secure foundation for next-generation FinTech platforms.
subject: Articles
  topic: section
subject: Explainable AI, Fraud Prevention, FinTech Security, Data Governance,
  topic: keywords
creator: Nazeer Jahan
rights: Copyright (c) 2026
date: 2026-02-08
publication date: 2026-02-08
starting page: 76
ending page: 85

Threat Detection in FinTech Platforms Using Deep Learning and Cryptographic Safeguards
type: item
description: FinTech platforms process a massive volume of transactions and user interactions in real time, making them prime targets for cyber threats, fraud, and data breaches. Traditional signature-based or rule-based security systems often fail to detect novel and adaptive attacks. This paper proposes a framework for threat detection in FinTech platforms by integrating deep learning models with cryptographic safeguards. Deep learning models, including LSTM and CNN architectures, monitor transactional behavior and system logs to identify anomalies indicative of fraud or security breaches. Cryptographic safeguards, such as end-to-end encryption, secure multiparty computation, and digital signatures, protect sensitive financial data during processing and transmission. Experimental evaluation demonstrates that the combined approach achieves high detection accuracy, low false positive rates, and strong data confidentiality, highlighting its suitability for modern, high-throughput FinTech environments.
subject: Articles
  topic: section
subject: Explainable AI, Fraud Prevention, FinTech Security, Data Governance
  topic: keywords
creator: Suraj Kumar
rights: Copyright (c) 2026
date: 2026-02-08
publication date: 2026-02-08
starting page: 66
ending page: 75

Blockchain Integrated AI Systems for Secure Digital Payments and Financial Data Protection
type: item
description: The proliferation of digital payment systems has created unprecedented opportunities for financial inclusion but has also increased exposure to cyber threats, fraud, and unauthorized data access. Traditional centralized payment infrastructures are vulnerable to single points of failure and insider attacks. This paper proposes a blockchain-integrated artificial intelligence (AI) framework for secure digital payments and financial data protection. By leveraging the immutable and decentralized characteristics of blockchain with AI-driven anomaly detection, transaction authentication, and predictive fraud analysis, the system ensures end-to-end security and real-time fraud mitigation. Experimental evaluation demonstrates that the integration of blockchain and AI enhances transactional integrity, reduces fraud incidence, and maintains compliance with regulatory standards. The framework represents a scalable and resilient architecture for next-generation secure FinTech ecosystems.
subject: Articles
  topic: section
subject: Explainable AI, Fraud Prevention, FinTech Security, Data Governance,
  topic: keywords
creator: Rizwan Qureshi
rights: Copyright (c) 2026
date: 2026-02-08
publication date: 2026-02-08
starting page: 56
ending page: 65

Adaptive Risk Scoring Models in FinTech Leveraging Artificial Intelligence and Privacy-Preserving Encryption
type: item
description: The rapid growth of financial technology (FinTech) platforms has intensified the need for dynamic, accurate, and secure risk assessment systems. Traditional static risk scoring models are insufficient to address evolving fraud patterns, behavioral anomalies, and sophisticated cyber threats. This paper proposes an adaptive risk scoring framework that integrates artificial intelligence (AI) with privacy-preserving encryption techniques. The model continuously updates risk scores using behavioral analytics, transaction patterns, and contextual intelligence while ensuring that sensitive financial data remains protected through advanced cryptographic mechanisms such as homomorphic encryption and differential privacy. Experimental results demonstrate that adaptive AI-driven risk scoring significantly improves fraud detection accuracy and reduces false positives while maintaining compliance with data protection regulations. The proposed architecture offers a scalable, secure, and intelligent approach to modern financial risk management.
subject: Articles
  topic: section
subject: Explainable AI, Fraud Prevention, FinTech Security, Data Governance
  topic: keywords
creator: Karan Serveish
rights: Copyright (c) 2026
date: 2026-02-08
publication date: 2026-02-08
starting page: 46
ending page: 55

Secure Financial Transactions through Machine Learning Based Anomaly Detection and End to End Data Encryption
type: item
description: The rapid expansion of digital financial services has introduced unprecedented transaction speed and accessibility, but it has also significantly increased exposure to cyber threats, fraud schemes, and data breaches. Traditional security mechanisms based solely on encryption or rule-based fraud detection are insufficient against evolving adversarial techniques. This paper proposes an integrated framework combining machine learning–based anomaly detection with end-to-end data encryption to secure financial transactions. The framework ensures transactional confidentiality through strong cryptographic protocols while leveraging adaptive anomaly detection algorithms to identify fraudulent behaviors in real time. Experimental evaluation demonstrates that the proposed hybrid architecture enhances fraud detection accuracy, reduces false positives, and maintains minimal latency overhead. The results confirm that combining intelligent anomaly detection with robust encryption mechanisms provides a scalable and secure solution for modern FinTech ecosystems.
subject: Articles
  topic: section
subject: Explainable AI, Fraud Prevention, FinTech Security, Data Governance
  topic: keywords
creator: Dhavjal Sanja
rights: Copyright (c) 2026
date: 2026-02-08
publication date: 2026-02-08
starting page: 35
ending page: 45

Federated Learning Frameworks for Financial Security with Encrypted Model Aggregation
type: item
description: The rapid digitization of financial services has increased exposure to cyber threats, fraud, and data breaches. Conventional centralized machine learning approaches for fraud detection require aggregating sensitive financial data into a single repository, creating privacy, compliance, and security risks. Federated Learning (FL) provides a decentralized alternative, enabling collaborative model training without sharing raw data. This paper proposes a secure federated learning framework with encrypted model aggregation tailored for financial security applications. The architecture integrates secure aggregation protocols, differential privacy, and adaptive anomaly detection models. Experimental evaluation demonstrates that federated learning achieves comparable fraud detection accuracy to centralized models while significantly enhancing data confidentiality and regulatory compliance. The framework provides a scalable and privacy-preserving solution for next-generation FinTech security systems.
subject: Articles
  topic: section
subject: Explainable AI, Fraud Prevention, FinTech Security, Data Governance
  topic: keywords
creator: Habib Taskeen
rights: Copyright (c) 2026
date: 2026-02-08
publication date: 2026-02-08
starting page: 25
ending page: 34

AI Driven Fraud Detection in FinTech Using Advanced Machine Learning and Encrypted Data Pipelines
type: item
description: Financial technology (FinTech) systems are increasingly targeted by sophisticated fraud schemes that exploit digital transaction pathways. Traditional rule-based fraud detection systems lack adaptability and often produce high false positive rates. This paper presents an integrated framework combining advanced machine learning (ML) models with encrypted data pipelines to improve fraud detection accuracy while preserving data security and privacy. The research evaluates various data encryption mechanisms, ML algorithms, and their performance within real-world FinTech datasets. Results demonstrate that encrypted pipeline architectures combined with deep learning and anomaly detection techniques significantly enhance fraud detection effectiveness with minimal computational overhead.
subject: Articles
  topic: section
subject: Explainable AI, Fraud Prevention, FinTech Security, Data Governance
  topic: keywords
creator: Oluwa Boliuvia
rights: Copyright (c) 2026
date: 2026-02-08
publication date: 2026-02-08
starting page: 16
ending page: 24

Market Predictability in the Digital Age: The Influence of Online Sentiment on Equity Price Movements
type: item
description: In the digital era, online sentiment has emerged as a critical factor influencing financial markets, shaping investor behavior and asset price dynamics. This study investigates the relationship between online sentiment—derived from social media, news, and financial forums—and equity price movements across global markets. Using sentiment analysis techniques and econometric modeling, we quantify the predictive power of online sentiment for short-term and medium-term stock returns. Results indicate that positive sentiment correlates with upward price movements, while negative sentiment signals potential declines, highlighting the role of digital information in market predictability. The findings provide insights for investors, portfolio managers, and policymakers seeking to leverage digital signals for market strategies.
subject: Articles
  topic: section
subject: Online sentiment, equity prices, market predictability, social media analytics, financial forecasting
  topic: keywords
creator: David Thomson
rights: Copyright (c) 2026
date: 2026-01-10
publication date: 2026-01-10
starting page: 1
ending page: 15

Serverless Computing Adoption Models for Faster Fintech Product Iteration
type: item
description: Fintech organizations operate in highly competitive and regulated environments where rapid product iteration is essential for innovation, customer retention, and regulatory responsiveness. Traditional infrastructure models, including on-premises systems and long-lived virtual machines, often constrAIn development velocity due to provisioning overhead, operational complexity, and rigid scalability patterns. Serverless computing has emerged as a compelling paradigm that abstracts infrastructure management, enables event-driven architectures, and supports rapid experimentation. This paper examines serverless computing adoption models in fintech, with a focus on how serverless architectures accelerate product iteration while mAIntAIning security, reliability, and regulatory compliance. Through a mixed-method research approach combining architectural analysis, comparative development lifecycle evaluation, and expert synthesis, the study identifies key adoption patterns, maturity stages, and governance considerations specific to fintech contexts. The findings demonstrate that serverless adoption reduces feature development and deployment cycles by up to 46%, improves engineering productivity, and enhances cost elasticity for early-stage and scaling fintech products. The paper contributes a structured adoption model that guides fintech organizations in leveraging serverless computing to achieve faster, safer, and more scalable product iteration.
subject: Articles
  topic: section
subject: Serverless computing; fintech architecture; product iteration; cloud-native development; digital innovation; event-driven systems
  topic: keywords
creator: Saedish Devesich
rights: Copyright (c) 2026
date: 2025-09-30
publication date: 2025-09-30
starting page: 124
ending page: 131

Multi Cloud reliability engineering for payment processing products
type: item
description: Payment processing products operate under stringent requirements for availability, latency, consistency, and fault tolerance, as even brief service disruptions can result in significant financial loss, regulatory scrutiny, and erosion of consumer trust. As fintech organizations increasingly adopt multi-cloud strategies to mitigate vendor lock-in, improve resilience, and support global scale, ensuring reliability across heterogeneous cloud environments has become a critical engineering challenge. This paper examines multi cloud reliability engineering practices for payment processing products, focusing on architectural patterns, operational controls, and governance mechanisms that enable high availability and fault tolerance across distributed cloud platforms. Using a mixed-method research approach that combines architectural modeling, failure scenario simulation, service level objective analysis, and expert synthesis, the study proposes a multi-cloud payment reliability engineering framework. Results indicate that well-designed multi-cloud architectures reduce regional outage impact by up to 72%, improve failover recovery times by 45%, and enhance regulatory resilience without compromising transaction integrity. The findings position multi-cloud reliability engineering as a strategic capability essential for building resilient, compliant, and globally scalable payment processing systems.
subject: Articles
  topic: section
subject: Multi cloud architecture; reliability engineering; payment processing systems
  topic: keywords
creator: Olyminc Kynak
rights: Copyright (c) 2025
date: 2025-10-30
publication date: 2025-10-30
starting page: 116
ending page: 123

Human AI collaboration in Cybersecure Digital Product Management
type: item
description: The increasing complexity of digital products, combined with escalating cyber threats and regulatory pressures, has transformed cybersecurity into a core concern of digital product management. Artificial intelligence (ai) is rapidly being adopted to support security analytics, risk detection, compliance monitoring, and decision automation. However, fully autonomous security systems remain impractical and risky in high-stakes digital environments. This paper examines human–ai collaboration as a strategic model for cybersecure digital product management, emphasizing complementary roles between human judgment and ai-driven intelligence. Drawing on interdisciplinary literature from cybersecurity, human–computer interaction, and product management, the study proposes a collaborative framework in which ai augments human decision-making across the product lifecycle—without displacing accountability or governance. Using conceptual modeling, workflow analysis, and expert synthesis, the research identifies key collaboration patterns, trust mechanisms, and governance controls that enable effective human–ai security partnerships. The findings demonstrate that well-designed collaboration improves threat detection accuracy, reduces cognitive overload for product teams, and enhances security governance while maintaining agility. The paper contributes a structured framework for operationalizing human–ai collaboration in cybersecure product management and outlines implications for product leadership, organizational design, and responsible ai adoption.
subject: Articles
  topic: section
subject: Human AI collaboration; cybersecure product management; artificial intelligence
  topic: keywords
creator: Dehmlkan Holmes
rights: Copyright (c) 2025
date: 2025-10-20
publication date: 2025-10-20
starting page: 108
ending page: 115

Cyber risk scoring and prioritization tools for fintech feature deployment
type: item
description: Fintech organizations operate in fast-paced, high-risk environments where rapid feature deployment is essential for competitiveness, yet cybersecurity fAIlures can result in severe financial, regulatory, and reputational damage. Product teams frequently face trade-offs between innovation velocity and risk exposure, often without structured, data-driven mechanisms to assess and prioritize cyber risks associated with new features. This paper examines cyber risk scoring and prioritization tools designed to support secure fintech feature deployment. It explores how quantitative and semi-quantitative risk scoring models— integrating threat intelligence, architectural complexity, regulatory exposure, and business impact—enable informed decision-making across the product lifecycle. Using a mixed-method research approach that combines framework analysis, architectural modeling, simulated feature rollouts, and expert validation, the study proposes a feature-centric cyber risk scoring framework (fcrsf). Results demonstrate that structured risk scoring improves deployment decision accuracy by 39%, reduces high-risk post-release incidents by 33%, and enhances cross-functional alignment between product, security, and compliance teams. The findings position cyber risk scoring not merely as a security control, but as a strategic product management capability essential for safe, scalable fintech innovation.
subject: Articles
  topic: section
subject: Cyber risk scoring; fintech security; feature deployment; risk prioritization; secure product management; digital financial services
  topic: keywords
creator: Relish Ballazai
rights: Copyright (c) 2025
date: 2025-07-07
publication date: 2025-07-07
starting page: 100
ending page: 107

Impact of regulatory compliance automation on fintech product scalability
type: item
description: Regulatory compliance has emerged as one of the most significant constrAInts on scalability within fintech product ecosystems. As fintech platforms expand across markets, integrate with open banking frameworks, and operate in real-time digital environments, manual and fragmented compliance processes increasingly hinder growth, increase operational risk, and delay product innovation. Regulatory compliance automation—often enabled through regtech platforms, AI-driven controls, and cloud-native architectures— offers a strategic pathway to reconcile regulatory obligations with scalable product development. This paper examines the impact of regulatory compliance automation on fintech product scalability, analyzing how automated compliance mechanisms influence time-to-market, operational efficiency, cross-border expansion, and risk management. Using a mixed-method research approach that combines regulatory framework analysis, system architecture modeling, quantitative performance metrics, and expert validation, the study demonstrates that compliance automation reduces onboarding and market-expansion latency by up to 45%, lowers compliance operational costs by 32%, and significantly improves scalability without compromising regulatory integrity. The findings position compliance automation not as a back-office optimization, but as a core product enabler that transforms regulatory constrAInts into scalable design capabilities. The paper contributes a structured framework for integrating compliance automation into fintech product architectures to support sustAInable, compliant growth.
subject: Articles
  topic: section
subject: Regulatory compliance automation; fintech scalability; regtech; digital financial services; product architecture; compliance engineering
  topic: keywords
creator: Laghari Sacchi
rights: Copyright (c) 2025
date: 2025-09-29
publication date: 2025-09-29
starting page: 92
ending page: 99

Anomaly Detection Systems for Fintech Product Workflows Using Deep Learning
type: item
description: Fintech product workflows operate in highly dynamic, data-intensive environments where real-time decision-making, regulatory compliance, and customer trust are critical. These workflows—spanning user onboarding, payment processing, credit decisioning, transaction monitoring, and api orchestration—are increasingly targeted by fraud, abuse, operational fAIlures, and insider threats. Traditional rule-based monitoring and statistical anomaly detection approaches struggle to detect complex, evolving, and low signal anomalies embedded within high-volume fintech processes. This paper investigates the design and application of deep learning–based anomaly detection systems tAIlored for fintech product workflows. We propose a multi-layer deep anomaly detection framework that integrates sequential modeling, representation learning, and contextual risk inference to identify deviations across behavioral, transactional, and operational dimensions. Using synthetic and real-world-inspired fintech workflow datasets, the study evaluates autoencoders, recurrent neural networks, temporal convolutional models, and graph neural networks for anomaly detection. Results demonstrate that deep learning–based systems improve anomaly detection accuracy by up to 38%, reduce detection latency by 44%, and significantly outperform traditional baselines in identifying novel and coordinated anomalies. The findings establish deep anomaly detection as a foundational capability for resilient, secure, and compliant fintech product operations.
subject: Articles
  topic: section
subject: Anomaly detection; fintech workflows; deep learning; behavioral analytics; operational risk; financial security
  topic: keywords
creator: Jiang Lang
rights: Copyright (c) 2025
date: 2025-10-22
publication date: 2025-10-22
starting page: 84
ending page: 91

Predictive Fraud Defense Models for Fintech Using Threat Intelligence Data
type: item
description: The exponential growth of financial technology (fintech) platforms has intensified exposure to sophisticated fraud schemes that evolve faster than traditional rule-based and reactive detection mechanisms. As fintech ecosystems increasingly rely on real-time transactions, open apis, and third-party integrations, fraud actors leverage automation, synthetic identities, and coordinated attack infrastructures. This paper investigates predictive fraud defense models that integrate external and internal threat intelligence data to proactively identify and mitigate fraud risks before materialization. A multi-layer predictive framework is proposed, combining cyber threat intelligence feeds, behavioral analytics, machine learning classifiers, and graph based risk inference. Using a mixed-method research approach—including threat intelligence ingestion, model trAIning on synthetic and real-world fintech scenarios, and expert validation—the study demonstrates that intelligence-driven predictive models improve fraud detection precision by 34%, reduce fraud latency by 41%, and identify emerging attack patterns earlier than transaction-only models. The findings highlight that threat intelligence transforms fraud defense from a reactive control into a strategic, anticipatory capability. This research contributes a validated architectural and analytical framework for fintech organizations seeking to operationalize predictive fraud defense using intelligence-driven risk modeling while mAIntAIning regulatory compliance and operational scalability.
subject: Articles
  topic: section
subject: Predictive fraud detection; fintech security; threat intelligence; machine learning; financial crime prevention; risk analytics
  topic: keywords
creator: Faheem Nazish
rights: Copyright (c) 2025
date: 2025-05-22
publication date: 2025-05-22
starting page: 76
ending page: 83

Cybersecurity governance frameworks for fintech product managers
type: item
description: The rapid growth of financial technology (fintech) has introduced unprecedented levels of innovation alongside heightened cybersecurity risk. Fintech products operate in environments characterized by real time transactions, sensitive financial data, regulatory scrutiny, and complex third-party dependencies. While technical security controls are critical, many cybersecurity fAIlures in fintech arise from weak governance, unclear accountability, and misalignment between product strategy and security decision making. This paper examines cybersecurity governance frameworks from the perspective of fintech product managers, who increasingly serve as key decision-makers at the intersection of business, technology, compliance, and risk. The study analyzes existing governance standards, including iso/iec 27001, nist cybersecurity framework, cobit, and regulatory guidance such as psd2, dora, and pci dss, and evaluates their applicability to fintech product lifecycles. Based on this analysis, the paper proposes a product-centric cybersecurity governance framework that embeds security accountability, risk-based decision-making, and compliance alignment into product management processes. The framework clarifies roles, decision rights, and metrics, enabling product managers to systematically govern cybersecurity risks while sustAIning innovation velocity. The findings emphasize that effective cybersecurity governance is not solely a technical or compliance function but a strategic product management capability essential for trust, resilience, and long-term fintech success.
subject: Articles
  topic: section
subject: Cybersecurity governance; fintech product management; risk management; regulatory compliance; secure product development; digital finance
  topic: keywords
creator: Vardha Diljeet
rights: Copyright (c) 2025
date: 2025-08-20
publication date: 2025-08-20
starting page: 68
ending page: 75

Secure API Product Design for Open Banking and PSD2 Compliant Platforms
type: item
description: Open banking has fundamentally transformed the financial services landscape by enabling secure data sharing and service interoperability through standardized application programming interfaces (apis). Under regulatory frameworks such as the second payment services directive (psd2), financial institutions are required to expose customer-authorized data and payment initiation capabilities to licensed third-party providers. While this paradigm fosters innovation and competition, it also introduces significant security, privacy, and operational risks. Apis have become primary attack surfaces for fraud, data leakage, and service disruption in open financial ecosystems. This paper examines secure api product design principles tAIlored for open banking and psd2-compliant platforms. It presents a comprehensive analysis of regulatory requirements, threat models, authentication and authorization mechanisms, consent management, api governance, and operational resilience strategies. By synthesizing industry best practices, academic research, and regulatory guidance, the study proposes a secure-by-design api product framework that integrates strong customer authentication, fine-grAIned access control, cryptographic assurance, and continuous risk monitoring. The paper further discusses implementation challenges, architectural trade offs, and future directions for secure api ecosystems. The findings emphasize that security in open banking apis must be treated as a core product capability rather than a technical afterthought, ensuring trust, compliance, and sustAInable innovation.
subject: Articles
  topic: section
subject: Open banking; psd2; secure api design; financial apis; strong customer authentication; fintech security
  topic: keywords
creator: Eric Victor
rights: Copyright (c) 2025
date: 2025-03-08
publication date: 2025-03-08
starting page: 59
ending page: 67

Threat modeling automation for fintech product teams using AI-based risk engines
type: item
description: Fintech systems operate within inherently high-risk environments characterized by complex regulatory requirements, adversarial threat landscapes, multi-party integrations, and high-value transactional flows. Traditional threat-modeling processes—manual, workshop-based, and expert-driven—struggle to keep pace with rapid product iteration cycles, distributed cloud architectures, and evolving fraud patterns. This paper investigates the automation of threat modeling for fintech product teams using AI-based risk engines designed to detect architectural vulnerabilities, predict fraud vectors, classify attack patterns, and generate dynamic threat scenarios in real time. Leveraging a mixed-method approach that integrates architectural simulations, machine-learning inference pipelines, large language model (llm) reasoning, and expert validation, the study proposes the automated fintech threat modeling framework (aftmf). Experimental results demonstrate that AI-driven risk engines reduce threat-model creation time by 68%, identify 44% more latent threats, and improve mitigation planning accuracy by 37% compared to traditional methodologies. Additionally, the framework significantly enhances compliance alignment, developer adoption, and cross-team security readiness. Findings show that automated threat modeling is not merely a productivity enhancement but a necessary evolution toward resilient fintech product design. The paper concludes by outlining architectural, operational, and governance recommendations for integrating AI based risk engines into fintech product development lifecycles.
subject: Articles
  topic: section
subject: Threat modeling; fintech security; AI risk engines; automated risk analysis; secure product design; cloud native fintech
  topic: keywords
creator: Jay Patel
rights: Copyright (c) 2025
date: 2025-08-20
publication date: 2025-08-20
starting page: 47
ending page: 58

Zero trust product architectures for high risk fintech environments
type: item
description: High-risk fintech environments—including digital lending, cross-border payments, fraud prevention networks, and cryptocurrency exchanges—are increasingly targeted by advanced cyber threats, regulatory scrutiny, and insider risk. Traditional perimeter-based security models are no longer effective in these distributed, api-driven fintech ecosystems. Zero-trust architecture (zta), which operates on the principle of continuous verification and “trust no implicit entity,” has emerged as an essential security paradigm for financial products operating in high-risk contexts. This paper examines zero-trust product architectures from a fintech product engineering perspective, analyzing how identity-centric control, micro segmentation, real-time anomaly detection, and cryptographic verification can be embedded into product design and cloud-native service layers. Using a mixed-method research design incorporating architectural simulations, telemetry analysis, threat modeling, and expert interviews, the study proposes the fintech zero trust product architecture framework (fztpa). Results show that zta reduces lateral movement success by 89%, decreases fraud entry points by 47%, and improves regulatory audit readiness by 56%. Moreover, zero-trust embedded at the product level enhances resilience, accelerates compliance adoption, and improves consumer trust. The study concludes that zero-trust is not only a security model but a strategic architecture essential for fintech innovation, risk mitigation, and long-term operational integrity.
subject: Articles
  topic: section
subject: Zero trust architecture; fintech security; high-risk financial services; identity-centric design; api security; cloud-native architecture
  topic: keywords
creator: Diljeet Kumar
rights: Copyright (c) 2025
date: 2025-02-10
publication date: 2025-02-10
starting page: 34
ending page: 46

Automation of product visioning and planning using generative AI in Fintech
type: item
description: The rapid expansion of financial technology (fintech) has accelerated the need for product teams to make faster, data-informed strategic decisions. Traditional product visioning and planning processes, which rely heavily on manual market analysis, expert judgment, and iterative workshops, struggle to keep pace with dynamic regulatory environments, emerging customer behaviors, and increasingly complex technology infrastructures. This paper investigates the potential of generative artificial intelligence (genAI) to automate and augment product visioning, strategic roadmapping, and early-stage planning in fintech organizations. A multi-layer evaluation framework was applied, integrating prompt-engineered generative models, regulatory-mapped language models, customer-intent prediction engines, and multi-source market intelligence feeds. Results from controlled simulations and practitioner interviews indicate that genAI assisted product planning reduces upstream analysis time by 54%, increases strategic hypothesis accuracy by 37%, and improves roadmap alignment across engineering, compliance, and business teams. The study demonstrates that genAI can autonomously generate market opportunity maps, risk-aware product strategies, regulatory impact analyses, and multi-horizon product roadmaps with human oversight. Findings highlight both the transformative potential and operational limitations of AI-driven product planning in fintech, offering a structured adoption model for organizations seeking to integrate genAI into strategic decision-making workflows.
subject: Articles
  topic: section
subject: Generative AI; fintech strategy; product visioning; automated roadmapping; AI-driven planning; regulatory technology
  topic: keywords
creator: Virdhan Kashikit
rights: Copyright (c) 2025
date: 2025-02-12
publication date: 2025-02-12
starting page: 15
ending page: 33

Strategic product roadmapping using multi cloud financial infrastructure insights
type: item
description: The accelerating adoption of multi-cloud architectures across the financial sector has reshaped how organizations conceptualize product strategy, operational resilience, and long-term value delivery. As regulatory pressures, cybersecurity risks, and cost-optimization demands intensify, financial institutions increasingly seek data-driven roadmapping methods that align cloud infrastructure capabilities with product innovation cycles. This study proposes a strategic product roadmapping framework grounded in multi cloud financial infrastructure insights, integrating cloud economics, workload portability, compliance automation, and distributed service-level intelligence. Using a mixed-method research design, qualitative interviews with product leaders were combined with quantitative telemetry analysis sourced from multi cloud cost, performance, and risk-propagation models. The results show that organizations using multi cloud observability signals and financial governance metrics in their product roadmaps demonstrate 43% faster iteration cycles, 32% reduction in architectural rework, and significantly improved regulatory alignment. Furthermore, the findings reveal that cloud-agnostic financial infrastructure enables scenario based product planning, resilient deployment strategies, and predictive cost modeling across heterogeneous workloads. This paper contributes a rigorous methodology and empirically validated roadmap model that synthesizes data analytics, cloud-native engineering, enterprise architecture, and financial governance. The proposed framework can strengthen decision-making for financial institutions navigating rapid technological transformation in multi-cloud environments.
subject: Articles
  topic: section
subject: Multi-cloud strategy; product roadmapping; financial infrastructure; cloud economics; regulatory technology; strategic innovation
  topic: keywords
creator: Varun Nagasaki
rights: Copyright (c) 2025
date: 2025-04-10
publication date: 2025-04-10
starting page: 1
ending page: 14

Integrating Generative AI with AEM for Dynamic Content Generation
type: item
description: The artificial intelligence of generative AI plus Adobe Experience Manager are a radical innovation to the dynamic content creation that enables organizations to create custom and contextual digital experiences in magnitude and velocity that has never been experienced before. The given scholarly paper is a comprehensive analysis of the trends of the integration of generative AI into the field of AEM, the analysis of which is grounded in the strategies of the architecture, the strategies of implementation and the business implications of AI-based content generation. The paper examines how organizations can utilize generative AI to automate content creation without loss of brand or editorial control by conducting systematic analysis of the large language models, content synthesis models and personalization models. In the study, it relies on a multi-methodological approach, which incorporates analysing the technical architecture, performance benchmarking and use cases analysis to identify the optimal patterns that are to be used in the application of generative AI in the enterprise content management environment. Findings indicate that organizations that integrate both generative AI and AEM together save 60-80-time on creation of content, increase content personalization effectiveness 45-65 percent, and extend content production scalability 50-70 times in comparison to their conventional manual process. The study demonstrates that a brand compliant content (75-90 percent brand compliant) can be achieved with a minimal level of human resources by using fine-tuned language models specifically trained on organizational material and brand policies, and that adaptive content generation systems can create content (55-75 percent increase) utilizing a higher degree of human intervention, which is context specific.
subject: Articles
  topic: section
subject: AI, Adobe Experience Manager, Dynamic Content Generation
  topic: keywords
creator: Dayasagar Vangala
rights: Copyright (c) 2024
date: 2024-12-19
publication date: 2024-12-19
starting page: 1
ending page: 16

Headless CMS with AEM: Building Omnichannel Digital Experiences
type: item
description: The experience of delivering digital has necessitated an inherent shift in strategy towards the conventional channel-centric content management to headless architecture that permits, truly, omnichannel experience. The author in this research article engages the reader in an in-depth examination of the headless CMS services of Adobe Experience Manager (AEM) in order to create and provide seamless digital experiences through multiple channels and touchpoints. This paper can help investigate how organizations could use AEM decoupled architecture to deliver consistent and personalized experiences on the web, on mobile, on the IoT and other new digital interfaces. The research is based on the multi-methodology that involves the combination of the architectural analysis, the performance analysis, and the case study synthesis in order to identify the most appropriate patterns of the headless AEM implementations. Findings indicate that Headless AEM architectures allow companies to deliver content to new channels 40-60x quicker, reuse content across touchpoints 35-50x more often and have 25-40 lower content management overheads than similar coupled implementations.
subject: Articles
  topic: section
subject: Headless CMS, Adobe Experience Manager, Omnichannel Experiences
  topic: keywords
creator: Dayasagar Vangala
rights: Copyright (c) 2021
date: 2021-08-21
publication date: 2021-08-21
starting page: 1
ending page: 15

Secure AEM Integrations Using OAuth and Adobe I/O Runtime
type: item
description: The spread of cloud services and microservice architectures has fundamentally changed the way enterprises extend and integrate Adobe Experience Manager (AEM) with the outside world and introduced new security risks that cannot be sufficiently tackled using the conventional authentication mechanisms. The research paper presents an extensive account of how to integrate AEM with OAuth 2.0 authorization framework and Adobe I/O Runtime serverless platform supplied with security. This paper uses regular analysis of authentication processes, token control schemes, and serverless security models to determine the best methods of securing AEM integrations without compromising scalability and developer efficiency. The study is based on a multi-methodology using security analysis, architectural analysis, and performance analysis to look at the patterns of OAuth implementation, token security measures, and strategies of runtime protection. The results indicate that organizations that apply JWT bearer token flows, which have the appropriate scope validation, reduce up to 85-95 percent of the unauthorized attempts at access and retain the performance of the integration within reasonable latency parameters. This paper has shown that in case of proper IAM policies, network isolation, and constant security surveillance, Adobe I/O Runtime can be used to offer the secure execution environment to AEM extensions. In addition, the study establishes that OAuth token introspection together with adaptive access policies can be greatly used to protect against token theft and replay attacks in distributed AEM ecosystems.
subject: Articles
  topic: section
subject: AEM Security, OAuth 2.0, Adobe I/O Runtime, Secure Integrations
  topic: keywords
creator: Dayasagar Vangala
rights: Copyright (c) 2025
date: 2020-11-10
publication date: 2020-11-10
starting page: 1
ending page: 15

The Evolution of Web Content Management: From Static HTML to Adobe Experience Manager
type: item
description: The development of Web Content Management Systems (WCMS) is a paradigm shift in the development of digital experiences. This research paper follows the technological and theoretical path of WCMS, starting with the manual, developer-focused age of static HTML and then up to the advanced, cloud-based age of data-driven, cloud-native platforms and, in particular, examines the example of Adobe Experience Manager (AEM) as one of the most prominent models of the modern enterprise-based solution. The paper has also used a systematic review of the literature and a historical comparison to outline such evolution using four different phases: the static web, the emergence of the initial dynamic CMS, the expansion of open-source systems, and the present paradigm of intelligent, composable, and experience-based platform. This analysis shows that the triggers to this development are the growing needs of individualization, omnichannel provision, and smooth connectivity in the micro-world of intricate digital environments. The exploration of AEM shows that the modern systems have outgrown content management to become the platforms of experience orchestration by integrating content, digital asset management, and data analytics. Nonetheless, the development also presents a great deal of difficulty such as complexity in implementation, high cost and high learning curve. The paper concludes that the future of web content management is the more significant integration of artificial intelligence to content automation and the embrace of headless and composable architectures, which provides more flexibility at the expense of the more complex architectures. The study offers a synthesized approach to interpreting the current and upcoming trends in WCMS, which can be useful resources to practitioners, enterprises, and technology strategists dealing with the digital environment.
subject: Articles
  topic: section
subject: Web Content Management System, Adobe Experience Manager, Digital Experience Platform
  topic: keywords
creator: Dayasagar Vangala
rights: Copyright (c) 2025
date: 2017-12-13
publication date: 2017-12-13
starting page: 1
ending page: 15