Published Paper Details:

In today's increasingly digital economy, banks must balance customer convenience with heightened security. This paper explores how artificial intelligence (AI) and biometric authentication can offer an effective solution to fraud prevention and user verification in banking systems. AI enables real-time behavioral monitoring and anomaly detection, while biometric systems, such as fingerprint, facial, and voice recognition, provide secure identity verification. Recent research and real-world applications show that these technologies significantly reduce fraud, streamline transactions, and improve user trust. This study uses the Technology Acceptance Model (TAM) to analyze adoption barriers and explores future trends such as explainable AI and behavioral biometrics. This paper highlights how smart banking can become more secure and inclusive for all demographics by addressing data privacy, inclusion, and cost challenges.