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Title: :  RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS
PaperId: :  26882
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 1 2025
DUI:    16.0415/IJARIIE-26882
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Polevoy Sergey Vladimirovich Kyzylorda University

Abstract

Computer Engineering
Financial Risk Prediction, Federated Learning, Transformer-based Neural Networks, Bayesian Networks, Fraud Detection, Data Privacy, Scalability, Cloud Banking
Today, the complexity of the finance and the eccentricities of the financial system at a personal level requires an extremely strong models for fraud detection and risk assessment. To this end, this research work propounds a Federated Learning Financial Risk Prediction model realized with Transformer-based deep neural networks and Bayesian Networks to increase the accuracy of fraud detection at the same time whilst preserving privacy. Federated Learning has the decentralized and secured data processing while protecting highly sensitive financial variables. Promising enhanced performance through a Transformer-based architecture, since these networks will extract very short and long dependencies present in transaction data. Its application is also covered by probabilistic estimates of risks by minimizing false positives and false negatives. The outcomes produced from the experiments provide excellent results in accuracy, precision, sensitivity, and specificity that prove the model's efficacy in predicting financial risk. It stretches beyond any limitation for applicability over huge datasets for the finance domain. The future work intends to take up the improvement of approaches in Federated Learning, design of quantum-safe cryptographic methods that are quantum-resistant, and risk management of finances using blockchain technology to ensure security and transparency in financial systems.

Citations

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IJARIIE Polevoy Sergey Vladimirovich . "RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS" International Journal Of Advance Research And Innovative Ideas In Education Volume 11 Issue 1 2025 Page 1736-1745
MLA Polevoy Sergey Vladimirovich . "RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS." International Journal Of Advance Research And Innovative Ideas In Education 11.1(2025) : 1736-1745.
APA Polevoy Sergey Vladimirovich . (2025). RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS. International Journal Of Advance Research And Innovative Ideas In Education, 11(1), 1736-1745.
Chicago Polevoy Sergey Vladimirovich . "RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS." International Journal Of Advance Research And Innovative Ideas In Education 11, no. 1 (2025) : 1736-1745.
Oxford Polevoy Sergey Vladimirovich . 'RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS', International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 1, 2025, p. 1736-1745. Available from IJARIIE, http://ijariie.com/AdminUploadPdf/RISK_ASSESSMENT_IN_CLOUD_BASED_BANKING_USING_TRANSFORMER_CNN_HYBRID_MODELS_AND_BAYESIAN_NETWORKS_ijariie26882.pdf (Accessed : 07 October 2025).
Harvard Polevoy Sergey Vladimirovich . (2025) 'RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS', International Journal Of Advance Research And Innovative Ideas In Education, 11(1), pp. 1736-1745IJARIIE [Online]. Available at: http://ijariie.com/AdminUploadPdf/RISK_ASSESSMENT_IN_CLOUD_BASED_BANKING_USING_TRANSFORMER_CNN_HYBRID_MODELS_AND_BAYESIAN_NETWORKS_ijariie26882.pdf (Accessed : 07 October 2025)
IEEE Polevoy Sergey Vladimirovich , "RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS," International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 1, pp. 1736-1745, Jan-Feb 2025. [Online]. Available: http://ijariie.com/AdminUploadPdf/RISK_ASSESSMENT_IN_CLOUD_BASED_BANKING_USING_TRANSFORMER_CNN_HYBRID_MODELS_AND_BAYESIAN_NETWORKS_ijariie26882.pdf [Accessed : 07 October 2025].
Turabian Polevoy Sergey Vladimirovich . "RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 11 number 1 (07 October 2025).
Vancouver Polevoy Sergey Vladimirovich . RISK ASSESSMENT IN CLOUD-BASED BANKING USING TRANSFORMER-CNN HYBRID MODELS AND BAYESIAN NETWORKS. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2025 [Cited : 07 October 2025]; 11(1) : 1736-1745. Available from: http://ijariie.com/AdminUploadPdf/RISK_ASSESSMENT_IN_CLOUD_BASED_BANKING_USING_TRANSFORMER_CNN_HYBRID_MODELS_AND_BAYESIAN_NETWORKS_ijariie26882.pdf
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