Analysis of the benefits of artificial intelligence and human personality study on online fraud detection

Kapil Bansal, Aseem Chandra Paliwal, Arun Kumar Singh
{"title":"Analysis of the benefits of artificial intelligence and human personality study on online fraud detection","authors":"Kapil Bansal, Aseem Chandra Paliwal, Arun Kumar Singh","doi":"10.1108/ijlma-08-2023-0198","DOIUrl":null,"url":null,"abstract":"<h3>Purpose</h3>\n<p>Technology advancement has changed how banks operate. Modernizing technology has, on the one hand, made it simpler for banks to do their daily business, but it has also increased cyberattacks. The purpose of the study is to to determine the factors that have the most effects on online fraud detection and to evaluate the advantages of AI and human psychology research in preventing online transaction fraud. Artificial intelligence has been used to create new techniques for both detecting and preventing cybercrimes. Fraud has also been facilitated in some organizations via employee participation.</p><!--/ Abstract__block -->\n<h3>Design/methodology/approach</h3>\n<p>The main objective of the research approach is to guide the researcher at every stage to realize the main objectives of the study. This quantitative study used a survey-based methodology. Because it allows for both unbiased analysis of the relationship between components and prediction, a quantitative approach was adopted. The study of the body of literature, the design of research questions and the development of instruments and procedures for data collection, analysis and modeling are all part of the research process. The study evaluated the data using Matlab and a structured model analysis method. For reliability analysis and descriptive statistics, IBM SPSS Statistics was used. Reliability and validity were assessed using the measurement model, and the postulated relationship was investigated using the structural model.</p><!--/ Abstract__block -->\n<h3>Findings</h3>\n<p>There is a risk in scaling at a fast pace, 3D secure is used payer authentication has a maximum mean of 3.830 with SD of 0.7587 and 0.7638, and (CE2).</p><!--/ Abstract__block -->\n<h3>Originality/value</h3>\n<p>This study focused on investigating the benefits of artificial intelligence and human personality study in online transaction fraud and to determine the factors that affect something most strongly on online fraud detection. Artificial intelligence and human personality in the Indian banking industry have been emphasized by the current research. The study revealed the benefits of artificial intelligence and human personality like awareness, subjective norms, faster and more efficient detection and cost-effectiveness significantly impact (accept) online fraud detection in the Indian banking industry. Also, security measures and better prediction do not significantly impact (reject) online fraud detection in the Indian banking industry.</p><!--/ Abstract__block -->","PeriodicalId":46125,"journal":{"name":"International Journal of Law and Management","volume":null,"pages":null},"PeriodicalIF":1.3000,"publicationDate":"2024-04-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"International Journal of Law and Management","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1108/ijlma-08-2023-0198","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"LAW","Score":null,"Total":0}
引用次数: 0

Abstract

Purpose

Technology advancement has changed how banks operate. Modernizing technology has, on the one hand, made it simpler for banks to do their daily business, but it has also increased cyberattacks. The purpose of the study is to to determine the factors that have the most effects on online fraud detection and to evaluate the advantages of AI and human psychology research in preventing online transaction fraud. Artificial intelligence has been used to create new techniques for both detecting and preventing cybercrimes. Fraud has also been facilitated in some organizations via employee participation.

Design/methodology/approach

The main objective of the research approach is to guide the researcher at every stage to realize the main objectives of the study. This quantitative study used a survey-based methodology. Because it allows for both unbiased analysis of the relationship between components and prediction, a quantitative approach was adopted. The study of the body of literature, the design of research questions and the development of instruments and procedures for data collection, analysis and modeling are all part of the research process. The study evaluated the data using Matlab and a structured model analysis method. For reliability analysis and descriptive statistics, IBM SPSS Statistics was used. Reliability and validity were assessed using the measurement model, and the postulated relationship was investigated using the structural model.

Findings

There is a risk in scaling at a fast pace, 3D secure is used payer authentication has a maximum mean of 3.830 with SD of 0.7587 and 0.7638, and (CE2).

Originality/value

This study focused on investigating the benefits of artificial intelligence and human personality study in online transaction fraud and to determine the factors that affect something most strongly on online fraud detection. Artificial intelligence and human personality in the Indian banking industry have been emphasized by the current research. The study revealed the benefits of artificial intelligence and human personality like awareness, subjective norms, faster and more efficient detection and cost-effectiveness significantly impact (accept) online fraud detection in the Indian banking industry. Also, security measures and better prediction do not significantly impact (reject) online fraud detection in the Indian banking industry.

查看原文
分享 分享
微信好友 朋友圈 QQ好友 复制链接
本刊更多论文
人工智能和人类个性研究对网络欺诈检测的益处分析
目的技术进步改变了银行的运营方式。技术的现代化一方面简化了银行的日常业务,但同时也增加了网络攻击。本研究旨在确定对在线欺诈检测影响最大的因素,并评估人工智能和人类心理学研究在预防在线交易欺诈方面的优势。人工智能已被用于创造检测和预防网络犯罪的新技术。在一些组织中,通过员工的参与也为欺诈行为提供了便利。设计/方法/途径研究方法的主要目的是在每个阶段引导研究人员实现研究的主要目标。这项定量研究采用了基于调查的方法。因为它既能对各组成部分之间的关系进行无偏见的分析,又能进行预测,所以采用了定量方法。研究文献、设计研究问题以及开发用于数据收集、分析和建模的工具和程序都是研究过程的一部分。研究使用 Matlab 和结构化模型分析方法对数据进行评估。在可靠性分析和描述性统计方面,使用了 IBM SPSS 统计软件。使用测量模型对可靠性和有效性进行了评估,并使用结构模型对假定关系进行了研究。研究结果快速扩展存在风险,使用 3D 安全支付方身份验证的最大平均值为 3.830,标准差为 0.7587 和 0.7638,以及(CE2)。本研究强调了印度银行业中的人工智能和人类个性。研究显示,人工智能和人类个性的优势,如意识、主观规范、更快更高效的检测和成本效益,对印度银行业的在线欺诈检测产生了显著影响(接受)。此外,安全措施和更好的预测也不会对印度银行业的在线欺诈检测产生重大影响(拒绝接受)。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
求助全文
约1分钟内获得全文 去求助
来源期刊
CiteScore
3.90
自引率
6.70%
发文量
13
期刊介绍: The International Journal of Law and Management is a leading journal addressing all aspects of regulation and law as they impact on organisational development, operations and leadership. Organisations and their leaders operate in an increasingly complex world of emerging regulation across national and international boundaries. The International Journal of Law and Management seeks to acknowledge the dynamics of that environment and provide a platform for articles and contributions to stimulate scholarly debate in the development of law and practice. The International Journal of Law and Management seeks to present the latest research on policy, practice and theoretical perspectives and their impact on the development and leadership of organisations. Contributions of a multi-disciplinary nature are welcome. Coverage includes, but is not limited to: -Employment and industrial law- Corporate governance and social responsibility- Intellectual property- Corporate law and finance- Insolvency- Commercial law and consumer protection- Environmental law- Taxation- Competition law- Regulatory theory
期刊最新文献
Foreign direct investment and the protection of garment workers' rights in Bangladesh From revelation to modern Islamic finance: Islamic commercial law in the UAE as a case study Three decades of WTO dispute settlement: insights from bibliometric literature review and future research agenda Inflated energy prices and capital structure: firm level evidence from Indian manufacturing sector Corporate carbon emissions, science-based targets initiatives and firm performance: evidence from India
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
现在去查看 取消
×
提示
确定
0
微信
客服QQ
Book学术公众号 扫码关注我们
反馈
×
意见反馈
请填写您的意见或建议
请填写您的手机或邮箱
已复制链接
已复制链接
快去分享给好友吧!
我知道了
×
扫码分享
扫码分享
Book学术官方微信
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术
文献互助 智能选刊 最新文献 互助须知 联系我们:info@booksci.cn
Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。
Copyright © 2023 Book学术 All rights reserved.
ghs 京公网安备 11010802042870号 京ICP备2023020795号-1