Banking Ecosystem Modernization with Privacy-Preserving AI-Cloud Networks, SAP, and API Integration
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Abstract
The rapid evolution of digital banking demands secure, scalable, and intelligent infrastructures that can handle high-volume transactions while safeguarding sensitive financial data. This paper presents a Privacy-Preserving AI-Cloud Network Framework designed to modernize banking ecosystems through the integration of SAP-driven data management and API-based interoperability. The proposed architecture leverages Artificial Intelligence (AI) to enable real-time analytics, fraud detection, risk assessment, and predictive decision-making across distributed banking networks. Cloud infrastructure ensures scalability, high availability, and efficient resource utilization, while privacy-preserving mechanisms, such as encryption, access control, and anonymization, safeguard sensitive customer and transactional data. SAP integration provides enterprise-grade workflow automation, regulatory compliance, and operational transparency, whereas API-driven connectivity allows seamless interoperability between internal banking systems, fintech partners, and digital services. The framework fosters a secure, intelligent, and adaptive banking ecosystem that enhances operational efficiency, customer trust, and resilience against cyber threats, supporting the transformation toward next-generation digital banking platforms.
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