人工智能在金融欺诈检测中的潜在应用的研究.docxVIP

人工智能在金融欺诈检测中的潜在应用的研究 AbstractWith the rapid development of technology, artificial intelligence (AI) has become an important tool for improving financial risk management. Among them, AIs potential application in fraud detection is becoming increasingly prominent. This paper explores the potential applications of AI in fraud detection in the financial industry, analyzes the challenges faced by financial institutions in detecting fraud, and proposes the potential solutions to these challenges based on the analysis. Keywords: artificial intelligence, fraud detection, financial industry 摘要随着科技的快速发展，人工智能成为了提高金融风险管理的重要利器。其中，人工智能在金融欺诈检测中的潜在应用越来越突出。本文探讨了人工智能在金融欺诈检测中的潜在应用，分析了金融机构在检测欺诈方面所面临的挑战，并基于分析提出了解决这些挑战的潜在方案。关键词：人工智能，欺诈检测，金融行业IntroductionFraud in the financial industry is a serious problem that can cause considerable losses to financial institutions and their customers. With the advent of new technologies, more and more financial fraud cases are being detected every year. Financial institutions, therefore, need to take necessary steps to mitigate these risks. The use of artificial intelligence (AI) in fraud detection is becoming increasingly relevant in this context. Potential applications of AI in fraud detectionFraud detection typically involves the identification of unusual patterns of financial transactions. AI algorithms can be used to develop models that can analyze large amounts of data to identify patterns of suspicious behavior. These models can be used to detect fraud in real-time, provide alerts to financial institutions, and allow them to take appropriate action. AI can also be used to identify fraudulent activities across different channels such as online banking, telephonic banking, and physical banking. Challenges faced by financial institutionsOne of the main challenges faced by financial institutions in fraud detection is the ability to separate genuine transactions from fraudulent transactions. This is because fraudulent transaction