AI-Powered Payment Gateways: Accelerating Transactions and Fortifying Security in Real-Time Financial Systems
Pushpalika Chatterjee · International Journal of Scientific Research in Science and Technology · 2023
As digital financial ecosystems continue to scale, payment gateways face mounting pressure to deliver secure, low-latency transactions. This paper presents a comprehensive framework for optimizing payment gateways using Artificial Intelligence (AI), with a dual focus on latency reduction and security enhancement. By leveraging machine learning algorithms, real-time predictive analytics, intelligent routing, and behavioral biometrics, AI redefines payment processing efficiency and fraud resilience. This study explores advanced AI-driven techniques—such as anomaly detection, contextual risk scoring, and adaptive authentication—to minimize transaction delays and combat evolving cybersecurity threats. It also outlines architectural innovations and future integrations with blockchain and quantum technologies, paving the way for next-generation intelligent financial infrastructure.