Behavioral Drift Analytics for Preventive Fraud Risk Management in Digital Financial Platforms

The rapid expansion of digital platforms and online financial ecosystems has substantially increased vulnerabilities to fraudulent activities, account takeovers, and anomalous user behaviors. Traditional risk detection methodologies operate reactively, identi- fying threats only after financial losses or security breaches have materialized. This paper presents the Behavioral Drift Analytics Early Warning System (BDA-EWS), a novel predictive analytics framework specifically architected to detect