Digital Banking and the Future of Embedded Finance: How Will AI-Powered Fraud Detection and Algorithmic Credit Scoring in Cross-Border Rails Reshape Systemic Risk?
Luv Aggarwal, Alisa Ginzburg, Sreshta Jagannati, Alina Naghi Tanase and Tanay Saravanan
This report investigates the convergence of embedded finance, real-time cross-border payments and artificial intelligence. Specifically, it examines how graph neural networks in fraud detection and algorithmic cash-flow underwriting in credit scoring are enhancing financial inclusion and operational efficiency.