Hello everyone. Good morning and good evening. I'm api. I have about 14 plus years experience working in the payment industries. Currently I'm working as a staff software engineer in PayPal. Today I will be giving a talk on revolutionizing payment security and user experience, AI driven fraud prevention and realtime personalization in the modern payment systems. We'll discuss how AI is transforming the payment, security and personalization through the realtime case studies and metrics. Payment security has evolved a lot. Let me give you a few examples in which payment security plays a crucial role in the payment platforms. Most of the customers forgot their password. The platform need OTP and email based authentication to have those customers, the customers. They want to, they will type their credit card information, name, address, first time, but they don't want to put all those details again and again while doing the future purchases. They want those details to be auto-filled for them next time so that they can just click next and then they will be able to complete the purchases. The customers they want to use crypto. They want to use different funding instruments. For example, gift calls to make the purchases customer want to have buy now pay later capability. They don't want to pay the amount immediately. They want to pay the amount in future in installments. Customer want to use coupons, discounts to make the payments. So all in all these scenarios, there will be some information that will be collected by our payment platform. All that information, for example, the credit card information, the crypto related information, the name, address, all those details need to be encrypted, need to be stored in the PCI compliant format. So that customer will feel safe while using your platform and doing the transactions. So with the global online transactions surpassing 6.3 trillion annually, cyber criminals are deploying increasingly sophisticated attack methods. This unprecedented volume of digital payments create complex security challenges that traditional systems struggle to address. While robust security measures are essential, customers demand friction free transactions. Modern payment systems must strike the perfect balance between the stringent fraud prevention and seamless authentication that keeps legitimate users moving smoothly throughout their payment journey. AI driven fraud prevention plays a crucial role as well in the payment platform. Let me give you a few examples. Consider a customer who is a bad customer. He's a terrorist, he's purchasing bad items using your platform. We don't want to allow that customer to purchase the items. A customer who is a fraudulent customer and who is doing transactions on behalf of a real customer and he's doing transactions at an unusual location, at an unusual time. A customer who is making a large payment, large international payment at an unusual time, a customer. Who has bad records registered against your platform? So we want to stop all those customers. We want to analyze the behavior for those customers, and if it devi deviates from the normal behavior, then we want to stop all those customers using our platform. So our cutting edge AI engine harnesses machine learning to analyze over 1 billion transactions daily, identifying suspicious patterns that traditional systems will miss. Through sophisticated dynamic risk scoring and continuous model optimization, we have delivered exceptional result. A 76% reduction in fraudulent transactions while slashing false positives by 92%, dramatically improving both security and customer satisfaction by processing more than 200 distinct data points. Paul transaction in real time. Our system makes highly accurate fraud prevention decisions in under a hundred milliseconds faster than the blink of an eye. There are few more scenarios. Consider a customer who has been onboarded on your platform. He did not submit it, his driver license, social security number, and we have allowed that particular customer to use our platform, so the onboarding should be smoother and all that. Driver license social security number. Social security number. The biometric authentication, all those things require ai. And using AI we can do the smoother onboarding for the customers. Let's go through the few case studies are a retail giant fraud prevention success. The challenge is 15% monthly increase in. Fraudulent transactions led to 2.3 million quarterly losses severally impacting customer confidence in this major North American e-commerce platform. Our AI powered solution implemented sophisticated fraud detection, analyzing 200 plus data points by transaction, including behavior patterns, device fingerprinting, and geolocation mapping. The results are dramatic. 82% reduction in fraud, 95% fewer false positives, 1.8 million recovered revenue, and 23% boost in customer satisfaction within three months. Let's go over few more case studies. Our AI powered solution has also been used for few crypto companies who got bankrupt and when they partnered with us. They can go out of bankruptcy, and they were profitable. Also, our AI powered solution has been used for few small business businesses in Australia and Canada. They were seeing about a hundred chargebacks every month, and when they partnered with us, the chargebacks were reduced to zero and they were able to expand globally and they were profitable. Revolutionizing customer experience, AI powered personalization. Our sophisticated AI engine processes, transaction patterns from 50 million users globally. Creating detailed behavior profiles that reveal deep insights into purchasing preferences and habits. By delivering intelligently personalized payment options and targeted recommendations at critical decision points, we dramatically reduce friction in the checkout process while increasing customer confidence. The impact is clear. Merchants using our AI personalization have seen checkout completion rates search by 34%. And customer satisfaction scores climb by 28% driving substantial revenue growth. Let's go over one more case study where our AI powered solution has transformed our travel booking platform. I. Our leading travel booking platform faced a critical 68% call abandon a abandonment rate, resulting in 2.4 million in lost monthly revenue. Customer feedback revealed that generic recommendations and complex checkout flows were driving potential buyers away. We deployed our AI personalization engine to analyze past booking patterns, price sensitivity, and seasonal preferences across 500,000 users. The system delivered real time, personalized travel packages, optimized pricing displays, and streamlined payment options tailored to each customer behavior. The outcome is the card abandonment rates dropped dramatically by 36% while conversion rates sold by 42%. The platform saw. Our dollar 1.8 million monthly revenue increase, 28% improvement in the customer satisfaction scores and 45% higher repeat booking rates within the first quarter. Let's go over the power of a h chatbots and how they are enhancing the customer support. Let me go through the few use cases where AI chatbots play a crucial role. Consider a customer who has purchased an item using our platform. He want to return it, and he's facing some problems. A customer who is a fraudulent customer and who has done the transactions on behalf of the real trans, real customer and the real customer, want the refund for all those fraudulent customers and he needs some help. A customer who is finding difficult to onboard to in our platform, a customer whose transactions have been declined and they are not successful again and again, and they need help. From somebody within our team. So in all these use cases, the AI chatbots play a very crucial role. Our advanced AI chatbots, they process over 200,000 daily customer interactions across 12 languages, providing 24 by seven support with an average response time of three seconds. We are leveraging natural language processing. These chatbots successfully resolve 89% of customer queries without human intervention handling everything from account inqueries to complex troubleshooting. This automation has led to 42% reduction in support cost while driving customer satisfaction scores up by 35% and decreasing average resolution time from 24 hours to 15 minutes. Beyond the fraud prevention, AI impact on transactional value. Real time fraud detection. Advanced AI algorithms analyze transactions in millisecond, establishing a foundation of trust by blocking 99.9% of fraudulent attempts before they impact customers. Adaptive risk scoring, machine learning models continuously evolve risk assessment capabilities, reducing false positives by 42% while maintaining robust security measures. AI person power personalization. By analyzing purchasing patterns and preferences, AI delivers tailored payment options and recommendations that resonate with the individual customers. Enhance customer experience. A smooth transaction and intelligent assistance create a frictionless payment journey leading to 28% increase in customer satisfaction scores, increased transaction value, the combination of enhanced security and personalization. Drives a 34% higher transaction value and 45% increase in repeat purchases. The future of payment security and personalization, AI will revolutionize the payment systems through the real time fraud detection, smart authentication, and predictive risk assessment, advanced biometrics, quantum safe block, blockchain, and as computing will create an ultra secure yet frictionless payment ecosystem. So in future, how the payments will happen? Let me tell you, based on my thought process. So the payments right now, those are happening through the cards and those are made of plastic and they're harmful for our environment. So in future, what will happen is all those payments will be done. through the fingerprinting, through the facial authentication of those customers, and those will be tied to the cards. And with that customer will be able to make the payment. Customer will have the smart homes, they will have the small devices inside their home. They can feed the data of how frequently they want groceries to be delivered, which items they want. they want to be delivered to their home. How, what time? Those grocery items should come and they will have the subscription. They'll put all those details and groceries will be automatically delivered to the customer address and automatically the payment will be made from those smart devices. Customers when they are going to the gas station to fill the gas, there will be small devices inside the car through which the, automatically the payment will be done and the customer will be able to fill. The gas customer will use all the voice assistant systems. For example, Alexa, Google Assistant, shitty assistant. So all these systems, they will just instruct about, like about the payment and which items they want to purchase, and automatically those items will be delivered to their home address. So we'll experience hyper pro personalized payment journeys that adapt to individual preferences while maintaining bank graded security. So the key takeaways and the next steps. AI is revolutionizing the payment security. Advanced algorithms and machine learning are creating unprecedented levels of fraud prevention while reducing false positives and enabling smoother transactions. Personalization drives miserable business value. AI powered personalization doesn't just improve customer experience. It delivers concrete results with higher transaction values and increase customer retention. Partner with us to transform your payments. Let's explore how our AI solutions can enhance your security, reduce cost, and create exceptional payment experience for your customers. Thank you. Thank you everyone. I.