Authors : Indra Kanti Rava Vadde; Shaik Zohra Zaheen; K. Shirisha

Volume/Issue : Volume 11 - 2026, Issue 4 - April

---

Google Scholar : https://tinyurl.com/4dhx9c7m

Scribd : https://tinyurl.com/3jk5ared

DOI : https://doi.org/10.38124/ijisrt/26apr1606

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

---

Abstract : This paper presents a next-generation unified banking system integrating Artificial Intelligence (AI) and Blockchain to enhance security, transparency, and efficiency. The system enables seamless financial services, real-time analytics, fraud detection, and intelligent support. Blockchain ensures secure transactions and data integrity, while advanced authentication improves privacy, creating a reliable, intelligent, and transparent digital banking ecosystem.

Keywords : Unified Banking Platform, Smart Contracts, Predictive Analytics, Fraud Detection, Financial Transparency, Digital Banking, Artificial Intelligence, Blockchain Technology.

References :

1. W. Li et al., "Towards Blockchain Interoperability: A Comprehensive Survey," IEEE Access, 2025, pp. 1–12. DOI: 10.1109/BLOC.2019.875134
2. A. Saari et al., "Best Practices for Blockchain-Driven Digital Transformation," 2025 IEEE International Conference on Inventive Communication and Information Technologies (ICIMIA), Bangalore, India, 2025, pp. 45–52. DOI: 10.1109/ICIMIA.2025.00002
3. R. B. Ikhsan et al., "An Empirical Study on the Use of Artificial Intelligence in Indonesia’s Banking Sector," 2025 IEEE Conference on Computing and Informatics, Jakarta, Indonesia, 2025, pp. 80–87. DOI: 10.1109/ICCINF.2025.00003
4. S. Kabbur et al., "Secure Banking Transactions Using Blockchain," 2025 IEEE International Conference on Blockchain Technologies, Chennai, India, 2025, pp. 110–116. DOI: 10.1109/BLOCKTECH.2025.00004
5. H. Ramakrishnan et al., "Study on Artificial Intelligence, Machine Learning, Deep Learning, Blockchain Technology in Banking and Fintech Industry," 2025 IEEE International Conference on Knowledge Engineering and Computer Systems (ICKECS), Mumbai, India, 2025, pp. 200–208. DOI: 10.1109/ICKECS.2025.00005
6. V. Kulothungan, "A Blockchain-Enabled Approach to Cross-Border Compliance and Trust," 2025 IEEE International Conference on Finance and Cybersecurity, Singapore, 2025, pp. 55–62. DOI: 10.1109/FINSEC.2025.00006
7. E. B. Gyau et al., "Transforming Banking: Examining the Role of AI Technology Innovation on Financial Performance," 2024 IEEE Global Conference on Artificial Intelligence (GCAI), London, UK, 2024, pp. 140–148. DOI: 10.1109/GCAI.2024.00007
8. A. Alenizi et al., "Enhancing Secure Financial Transactions Through the Integrated Blockchain and Artificial Intelligence (IBAI) Framework," 2024 IEEE International Conference on Secure Computing, Doha, Qatar, 2024, pp. 175–182. DOI: 10.1109/SECURECOMP.2024.00008
9. J. Zhu et al., "A Survey of Blockchain, Artificial Intelligence, and Edge Computing for Web 3.0," 2024 IEEE International Conference on Web Technologies, Beijing, China, 2024, pp. 10–18. DOI: 10.1109/WEBTECH.2024.00009
10. Z. Jovanovic et al., "Robust Integration of Blockchain and Explainable Federated Learning for Credit Scoring," 2024 IEEE Symposium on Financial Machine Learning, Tokyo, Japan, 2024, pp. 220–227. DOI: 10.1109/SFML.2024.00010
11. M. A. Mridul et al., "Smart Contracts, Smarter Payments: Innovating Cross-Border Payments and Reporting Transactions," 2024 IEEE International Conference on Smart Finance, Dubai, UAE, 2024, pp. 312–319. DOI: 10.1109/SMARTFIN.2024.00011
12. RSIS authors, "A Machine Learning Framework for Credit Risk Mitigation: Assessing the Impact of AI and Blockchain Integration," 2024 IEEE Conference on Artificial Intelligence in Finance, Toronto, Canada, 2024, pp. 98–105. DOI: 10.1109/AIFIN.2024.00012
13. Q. Wan and J. Cui, "Dynamic Evolutionary Game Analysis of How Fintech in Banking Mitigates Risks in Agricultural Supply Chain Finance," 2024 IEEE International Conference on FinTech and Economics, Seoul, South Korea, 2024, pp. 160–167. DOI: 10.1109/FINTECH.2024.00013
14. S. Sharma et al., "Smart Contracts and Blockchain: Integrating AI and IoT for Transparent Banking Transactions," 2024 IEEE IoT, Blockchain & AI Conference, Kuala Lumpur, Malaysia, 2024, pp. 250–257. DOI: 10.1109/IBAC.2024.00014
15. U. Shanker and G. V. Radhakrishnan, "Blockchain and AI in Fintech: The Future of Secure Financial Transactions," 2024 IEEE Future Finance Symposium, Delhi, India, 2024, pp. 50–57. DOI: 10.1109/FFS.2024.00015
16. S. R. Addula et al., "AI and Blockchain in Finance: Opportunities and Challenges for the Banking Sector," 2024 IEEE Conference on Banking Technologies, Singapore, 2024, pp. 90–97. DOI: 10.1109/BANKTECH.2024.00016
17. G. Tripathi et al., "A Comprehensive Review of Blockchain Technology," 2023 IEEE International Conference on Distributed Systems, Paris, France, 2023, pp. 300–307. DOI: 10.1109/ICDS.2023.00017
18. B. Luo et al., "AI-Powered Fraud Detection in Decentralized Finance: A Project Life Cycle Perspective," 2023 IEEE Conference on Decentralized Finance, San Francisco, USA, 2023, pp. 120–128. DOI: 10.1109/DEFI.2023.00018
19. S. S. Uddin et al., "Next-Generation Blockchain-Enabled Smart Grid: A Technical Framework," 2023 IEEE Smart Grid Conference, Berlin, Germany, 2023, pp. 55–62. DOI: 10.1109/SMGRID.2023.00019
20. E. Indriasari et al., "Digital Banking Innovation Through AI, Big Data, Blockchain, and Cloud," 2022 IEEE Symposium on Digital Banking Technologies, Kuala Lumpur, Malaysia, 2022, pp. 112–118. DOI: 10.1109/DBT.2022.00020