Hi everyone. This is Sand. hope everybody having a good time. Today I wanna talk about the how to enhance our payments using ai. I'm gonna give some important points here, important notes, and then I wanna run through, how we can utilize the ai, and then, how to make our life easy, basically. And then how to make our payment sector very secure. yeah, after this session, I hope everybody get, knowledge and then so that, we can make, All secure. So I wanna start, with, enhancing the digital payment secure with ai, basically the global digital, payment, market is supposed, exponential growth, but that comes to the i security risk basically. Um, you can do, with within the, if with this presentation, I wanna go ahead and then, basically. Show what kind of revolution payments, security that we can run through, and then so that we can do the, fraud detection, productivity, analytics and adapt to, threat mechanism. yeah, I'm going through the, my second slide so that, we can go further. The growth challenge of digital payments, fraud. Nowadays, there are two high risk that we can do, or, the two components that we have to take into consideration. Number one is rapid growth. that's what happening in digital world. And then second thing, rising in threats whenever you see. There are a lot of growth that are happening in any sector. At the same time, we see the other side of the coin, there is a rising threat. So when it comes to the growth, what kind of dis payment we, we are seeing, the growth and then, we are, we're experience unprecedented, expansion in the, product search and then. The projected, the surge behind 15 trillion, by 2027. This is a huge number. And then this is the expensive growth, basically field, where set of odd options like, whatever the contactless payment that we are doing. And then, mobile wallet pairing, payments, and then imaging technologies like blockchain. Transforming how billions of people worldwide, conduct in the transaction. So the rapid growth happening with all these things, but other side we have a, a lot of, threats are rising. The rising threats. However, these, disablement resolution as, attract sophisticated cyber, cyber criminals, basically, and then leading alarm. rise in a fraud. So experts predicted annual loss, from payments fraud will be skyrocketed. 48 billion, dollars by 2 25 with, attacking become increasingly complex, harder, detecting using the traditional security measure what we have right now. What do we have to do to get this, payment secure and then to make the things better for the human life? so AI power of, power of fraud detection, is a, usually a game changer where we can detect the threats, with using the AI automatically. So the one, the three things that we could do, one is a deep learning model. basically AI power fraud detection model, leveraging the. Deep learning and behavioral bio biometrics and having demonstrated an 80% of improvement in detection, the suspicious transactions compared to traditional rule methods. And second thing, what we can do enhance accuracy. So machine learning algorithm. So using the mechanism, machine learning algorithms, analyzing the, vast data sets, identifying the MS and unauthorized, access with the 98% of SIG significantly, reducing false positive basically. So we see nowadays is a lot of false positive situations. And then using the, enhancing the accuracy using the machine learning, algorithm so we can basically. detected these things, very easily. And then the third one we can think of is productive analytics. AI driven product analytics helps financial institution and anticipated fraud threats, right? So reducing the potential losses by up to 12 billion annually. So this is how we can do the productive analytics. more to the next slide. the a, another thing, what we can achieve is realtime transaction monitoring and bio metric authentication. So realtime monitoring. So using the advanced AI power transaction, monitoring has slashed. Fraud incident by 30% across the financial network. So what the ability to analyze over 20,000 transaction per second. The flags suspicious activity within milliseconds. So that's what we can do with the realtime monitoring. And then another stuff we can do, biometric authentication, next generation, biometric identification, combine. AI with the multiple verification methods, so including, facial recognition and, fingerprint scanning, and then wise patterns. So with this, we can achieve 99 points of, 99.9 accuracy with a reducing, authentication time to under almost two seconds. So this is multimodal approach that, cut, parental access and attempt by 85% of while maintaining the seamless user experience. let's move on to the next one. the main thing is the blockchain, a new, frontier. For securing the digital payments. So there are two things, right? So zero knowledge, proof, and then, you know, learning. So Revolution AI powered blockchain security protocol utilizes zero knowledge proof to validate transaction with a hundred percent accuracy. That's huge number, that's like a perfect a hundred percent while maintaining the complete data privacy. This breakthrough is the technology enabling the financial institution process over. 10,000 transaction per second, that's fast. And while ensuring the sensitivity customers information remain fully, encrypted and protected, so using this zero knowledge proof, you can achieve good things. Another one, federated learning, through advanced learning system bank and payment providers. Can now collaborate to strengthen their, collective defense again, against fraud. So sharing AI model improvement without explanation customer data, this distribute approach has helped and better institution reduce fraud. 65% while maintaining street data. and regulatory complaints. So those things we can achieve, with the blockchain. And then, the, I wanna move on to the next slide and explain the industry success stories, demonstrating the AI impact, what we could do, using the AI and then the industry. Success stories. number one is reduce charge. chargeback, leading a financial institution have, reported dramatically 40% of reduction in chargeback fraud through, sophisticated, AI driven detect system. That's a huge number. So we are now, we're getting the 40% reduction in chargeback fraud, and the major credit card provides implementing the solutions save over 2.3. Billion in fraud climb while maintain the customer trend satisfaction rates about 95%. So that's a huge numbers there. And then second thing is the enhanced transaction speed. So the success story, another success story. We can do enhanced transaction, by 28% using the AI algorithm. And then if you look at the crossing time, it is 3.2 seconds. just eight minutes, seconds. A leading 30% increase in customer, compliance, completion rate and significantly higher merchant satisfaction score. So yeah, reduce chargebacks and then, enhanced transaction speed. Those are, big things that, you know, we can achieve with the ai. And then let monitor next one. And merging AI trends shaping the future of payment security. So what is a. The trends that we are seeing right now for the future of secure the payments, any kind of payments. So quantum security, encryption, and then advertiser, ai, defense mechanism. These two we can use. And then that's the AI trends that we are looking right now. The advent, of quantum computer necessity, quantum secure encryption algorithm to protect the IGN potential attacks. And then AI plays a big role in this. so dial up and then, use the encryption method. Those are things. And, AI driven. The second one, aal AI defense mechanism, AI driven defense mechanism are evolving to proactively combat arisal attacks, such as defects and knowledge, ensuring, less resilience of payment system, sophisticated threat. Okay, let's move on to the important thing, AI role. Building a safer digital financial ecosystem. So what we could do to build a safer digital financial ecosystem using the ai, what is the AI role? So the, we can think of three, three things right now. the enhanced security, improved efficiency and has a customer experience. So by the looking at these things, With using the ai, the financial institution pro proactively detect the payment fraud, and then it'll help the financial institution and then consumer and everybody, the customer, everybody, and then improve efficiency. So AI driven automation, seamless process leading to faster transaction, reduce the cost, and then more efficient financial ecosystem. And then the third one is enhance the customer service. So end of the day, the customer, customer experience is a main priority. So using the AI power solution improved, you can basically, the customer can feel more secure and then, we can do like a seamless payment processing and while minimizing the friction and enhancing convenience. The future payment security, how it is looking in future payment security, a collaborative, what we could do to achieve this, and then, what is our approach we should follow. Across industry partnership. Let's establish a dynamic partnership between the banks and then FinTech companies and cyber security experts to create a integral different, defense security that rapidly share the, intelligent at best practice and practices basically. And second thing is breakthrough technologies. Investing a cutting edge in cutting edge ai, and then machine learning solution that. Predict the, imaging cybersecurity threats and while adapting to evolving payment technologies, and consumer behavior. And third one is smart governance. developing the, flexible yet robust, regulatory, standards and the balance, innovation with the consumer protection, ensuring AI system remains. Transparent, accountable. And then, it is make sure that the global compliance requirement met. So that above all, there, the, what are the key takeaways from this, and then what are the next steps we have to do to make it, this ai, works good for us and, it's good for the make it, the cybersecurity safe. The AI revolution in action, the first thing that we discussed and that AI technologies have demonstrated transform, result direction of fraud, by cutting up to 63% while processing the transaction for faster and making, the account, the account register payment platform. the second thing is power of, partnership, success, demand, strategies, collaboration between the financial institution like I, like we discussed, and then expertise, cyber security expertise, ensure defense, in depth. And then using the AI methods, and then, partnership between the FinTech companies, we can achieve this. And then building tomorrow's trust by implementing a driven security solution today. We are creating a future while digital payments are not just faster, more efficient, but fundamentally secure, trustworthy for all participants. So by coming to the conclusion towards, the secure and, the future, all the stuff, what we discussed so far, what is the conclusion about ai? How we transformed? AI has transformed from theoretical concept to the powerful. Four, reshaping and then using the AI technologies and then intelligent, there are a lot of mechanism that AI doing right, right now. like we discussed, fraud detection, realtime monitoring, and intelligent authentication. So these are stuff we can use and then we can use this AI in good way where it'll ease our transactions with a secure, and then basically the future of digital payments isn't just bright, so it's here. So digital payments, we wanna make the digital payments bright. So it's here, it is being safeguarded by the unstoppable combination of human expertise and, artificial inte intelligence. So that's conclude my presentation. hope you know, everybody got some knowledge and and thanks for the opportunity here. And then, have a good day. Thank you.