Big Data Driven Decision Systems for Digital Payments using AI Enhanced Security and Real Time Risk Monitoring in Cloud Native Environments
Abstract
The rapid expansion of digital payment ecosystems has generated unprecedented volumes of transactional data, necessitating advanced decision systems capable of extracting actionable insights with high accuracy and speed. Big data driven decision systems leverage distributed data architectures, machine learning models, real‑time analytics, and scalable compute frameworks to support digital payment services in environments characterized by high throughput, low latency, and increasing threat complexity. When integrated with AI‑enhanced security and real‑time risk monitoring in cloud‑native environments, these systems deliver continuous protection against fraud, anomalous behavior, and compliance violations while enabling dynamic optimization of transaction flows and customer experience. Cloud‑native architectures built on microservices, container orchestration (such as Kubernetes), and horizontal scaling provide the elasticity required to process terabytes of data per second, while AI models enhance predictive accuracy for risk scoring and anomaly detection. This paper presents an in‑depth analysis of the architectural components, operational workflows, and governance strategies for big data driven decision systems in digital payments. It covers key challenges in data ingestion, model deployment, and risk monitoring, along with a structured methodology for implementation. The paper also highlights strategic advantages such as improved fraud detection rates, enhanced operational resilience, and customer trust
Article Information
Journal |
International Journal of Science, Research and Technology |
|---|---|
Volume (Issue) |
Vol. 7 No. 5 (2024): International Journal of Science, Research and Technology (IJSRAT) |
DOI |
|
Pages |
12786-12795 |
Published |
October 14, 2024 |
| Copyright |
All rights reserved |
Open Access |
This work is licensed under a Creative Commons Attribution 4.0 International License. |
How to Cite |
Ivica Crnkovic (%2024). Big Data Driven Decision Systems for Digital Payments using AI Enhanced Security and Real Time Risk Monitoring in Cloud Native Environments. International Journal of Science, Research and Technology , Vol. 7 No. 5 (2024): International Journal of Science, Research and Technology (IJSRAT) , pp. 12786-12795. https://doi.org/10.15662/IJSRAT.2024.0705003 |
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