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All Journal IAES International Journal of Artificial Intelligence (IJ-AI)
Oussama Ndama
Abdelmalek Essaâdi University
Computer Science & IT Engineering

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A novel BERT-long short-term memory hybrid model for effective credit card fraud detection Oussama Ndama; Safae Ndama; Ismail Bensassi; El Mokhtar En-Naimi
IAES International Journal of Artificial Intelligence (IJ-AI) Vol 15, No 1: February 2026
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijai.v15.i1.pp788-797

Abstract

In the rapidly evolving landscape of financial transactions, the detection of fraudulent activities remains a critical challenge for financial institutions worldwide. This study introduces a novel bidirectional encoder representation from transformers (BERT)–long short-term memory (LSTM) hybrid model that integrates both textual and numerical data to enhance credit card fraud detection. Leveraging BERT for deep contextual embeddings and LSTM for sequence analysis, the model provides a comprehensive approach that surpasses traditional fraud detection systems primarily based on numerical analysis. On the validation set, the model achieved a recall of 100% and an accuracy of 99.11%, highlighting strong effectiveness in identifying fraudulent transactions under class imbalance. Through rigorous evaluation, the model demonstrated exceptional accuracy and reliability, promising improvements in fraud detection and mitigation. This paper details the development and validation of the hybrid model, emphasizing its use of mixed data types to capture complex patterns in transaction data. The results indicate a new frontier in fraud detection by combining natural language processing (NLP) and sequential data analysis to create a robust solution for real-world applications, supporting the security and integrity of financial systems globally.
Co-Authors El Mokhtar En-Naimi Ismail Bensassi Safae Ndama