The Algorithmic Fortress: Ai-Powered Cybersecurity and Anti-Fraud in The Future of Fintech

Paulin Kamuangu
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Paulin Kamuangu: Liberty University, United States of America (USA)

International Journal of Latest Technology in Engineering, Management & Applied Science, 2025, vol. 14, issue 5, 19-27

Abstract: The Financial Technology (Fintech) sector is changing at a swift pace, as artificial intelligence (AI) is extending its influence. Greater complexity and global linkages are going to demand from fintech the power to rethink the integrity of its cybersecurity mechanisms and fraud tactics that have gotten intense up to a growing extent. The paper argues for the necessity of an "Algorithmic Fortress," an AI-driven cybernetic system incorporating all possible technologies targeted at securing digital financial networks against cyber-attacks and acts of financial fraud. The article delves into AI/ML, deep learning, anomaly detection through generative adversarial networks, etc., scope to predict battle, detect and fight problems. It does address adverse effects of AI risk, threatened system independence through synthetic identity fraud, application of AI for fraud detection in decentralized finance, DeFi, as well as the threat-hunting models that need to become autonomous. Supervised learning, unsupervised learning, and reinforcement learning are examination methodologies that are being applied in taking high recourse to the preservation of cybersecurity amongst their uncertainties. Our analysis will involve different experimentations of Python-based simulated attack scenarios to compare the two forms of cybersecurity. Also brought in are SmartArt visual representations revealed in multi-tier defensive architectures, combined with some strategic recommendations destined to protect future-facing fintech infrastructures from doing illicit deeds of algorithms. This study sketches possible solutions for securing the future-ready, trustworthy, and resilient fintech ecosystems once assisted by AI-enhanced, digital fortresses.

Date: 2025
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