Treffer: Real Time Financial Fraud Detection with Cognitive 6 G Networks and Distributed AI Autonomous Risk Management.

The global financial ecosystem has entered an era of unprecedented digitization, transforming the way individuals, businesses, and governments engage in monetary transactions. While technological innovations have accelerated growth, efficiency, and inclusion, they have also intensified vulnerabilities, giving rise to complex patterns of financial fraud. Traditional fraud detection systems, often centralized and rule-based, are increasingly inadequate in addressing the sophisticated and dynamic methods employed by malicious actors. The convergence of cognitive sixth-generation (6G) networks and distributed artificial intelligence (AI) introduces a paradigm shift, offering real-time fraud detection with autonomous risk management capabilities. This paper investigates the integration of cognitive 6G networks with distributed AI for the prevention, detection, and mitigation of financial fraud. It analyzes how ultra-reliable low-latency communications (URLLC), semantic connectivity, and context-aware adaptability inherent to 6G can enhance financial data transmission and security. Simultaneously, distributed AI techniques such as federated learning, multi-agent systems, and decentralized anomaly detection provide the foundation for autonomous decision-making in fraud risk management. By combining these technologies, financial systems can evolve into adaptive ecosystems capable of predicting, detecting, and countering fraudulent behaviors in real time while ensuring compliance with privacy and regulatory frameworks. Through a comprehensive literature review, conceptual modeling, and critical analysis, the paper highlights the benefits, challenges, and ethical implications of such integration. It proposes a layered framework that emphasizes perception, intelligence, and decision-making in financial fraud detection. Finally, it outlines future directions, including the potential contributions of explainable AI (XAI), digital twins, and quantum-secure communication protocols, underscoring the necessity of collaborative global governance. [ABSTRACT FROM AUTHOR]

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