AI-Powered Real-Time Analytics for Cross-Border Payment Systems
Keywords:
Cross-border payments, artificial intelligence, real-time analytics, machine learning, fraud detection, regulatory compliance, blockchain, financial technology, payment optimization.Abstract
The exponential growth of global digital commerce and international remittances has underscored the need for cross-border payment systems that are intelligent, real-time, and secure. Traditional systems, plagued by slow settlement times, high costs, and limited transparency, are increasingly inadequate in addressing the demands of modern global finance. This research presents a comprehensive and forward-looking framework for leveraging AI-powered real-time analytics to transform cross-border payment infrastructure. By integrating machine learning, natural language processing, and blockchain technologies, the proposed system achieves significant improvements in payment routing optimization, fraud detection accuracy, and regulatory compliance automation. We simulate and evaluate AI-driven workflows for anomaly detection, liquidity prediction, and intelligent risk assessment, demonstrating the capacity of AI to reduce transaction latency, enhance transparency, and lower operational risk. The paper features comparative case studies of Ripple, Wise, PayPal, and others to highlight industry applications. Additionally, we address key challenges related to data privacy, AI model interpretability, and global regulatory diversity. Concluding with a vision for future development, we identify AI as a cornerstone technology in shaping inclusive, resilient, and interoperable global payment systems.
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