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All Journal IAES International Journal of Artificial Intelligence (IJ-AI) Journal of Computing Theories and Applications
Bichanga, Abdoul Karim
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Computer Science & IT Decision Sciences, Operations Research & Management Engineering

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Improving Credit Card Fraud Detection with Ensemble Deep Learning-Based Models: A Hybrid Approach Using SMOTE-ENN Bonde, Lossan; Bichanga, Abdoul Karim
Journal of Computing Theories and Applications Vol. 2 No. 3 (2025): JCTA 2(3) 2025
Publisher : Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62411/jcta.12021

Abstract

Advances in information and internet technologies have significantly transformed the business environment, including the financial sector. The COVID-19 pandemic has further accelerated this digital adoption, expanding the e-commerce industry and highlighting the necessity for secure online transactions. Credit Card Fraud Detection (CCFD) stands critical as the prevalence of fraudulent activities continues to rise with the increasing volume of online transactions. Traditional methods for detecting fraud, such as rule-based systems and basic machine learning models, tend to fail to keep pace with fraudsters' evolving tactics. This study proposes a novel ensemble deep learning-based approach that combines Convolutional Neural Networks (CNN), Gated Recurrent Units (GRU), and Multilayer Perceptron (MLP) with the Synthetic Minority Oversampling Technique and Edited Nearest Neighbors (SMOTE-ENN) to address class imbalance and improve detection accuracy. The methodology integrates CNN for feature extraction, GRU for sequential transaction analysis, and Multilayer Perceptron (MLP) as a meta-learner in a stacking framework. By leveraging SMOTE-ENN, the proposed approach enhances data balance and prevents overfitting. With synthetic data, the robustness and accuracy of the model have been improved, particularly in scenarios where fraudulent examples are scarce. The experiments conducted on real-world credit card transaction datasets have established that our approach outperforms existing methods, achieving higher metrics performance.
Challenges of recommender systems in finance and banking: a systematic review Bonde, Lossan; Bichanga, Abdoul Karim
IAES International Journal of Artificial Intelligence (IJ-AI) Vol 14, No 4: August 2025
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijai.v14.i4.pp2559-2567

Abstract

Recommender systems are widely applied in various domains, including e-commerce, marketing, and education. Despite their popularity, recommender systems are not widely used in finance and banking. This paper aims to identify the challenges associated with using recommender systems in finance and banking and recommend directions for future research. Using a systematic literature review (SLR) method, 52 papers were selected and analyzed. A three-step process was used to make the selection. First, a keyword search was made to identify a seed list of sources. A snowball technique with specific inclusion and exclusion criteria was applied to expand the list. Finally, a quick study was made to produce the final list of sources to consider. Through the study of the 52 relevant papers, three main challenges: i) transparency, ethics, and data privacy; ii) handling complex content information and accounting for multiple user behaviors; and iii) explainability of AI models were identified. This study has established the barriers to adopting recommender systems in the finance and banking industry. Specific subjects of concern identified include cold-start problems, personalization, fraud detection, transparency, and data privacy. The study recommends further research leveraging advanced machine learning models and emerging technologies to fill the gap.
Co-Authors Bonde, Lossan