• e - ISSN No : 2832-4277
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INTERNATIONAL JOURNAL OF RECENT TRENDS IN TECHNOLOGY AND ENGINEERING (IJRTTE)

Strengthening Digital Banking: An Integrated Cyber Resilience Framework

Ajmeera Kiran
Department of Computer Science and Engineering, MLR Institute of Technology, India.

Keywords: Digital Banking, Cyber Resilience, AI Powered Threat Detection, RegTech, Explainable AI, Cloud Security, Financial Cyber Security, Identity Protection

Abstract

In today’s fast-moving digital banking world, strong cyber resilience keeps customer trust, operations and regulatory compliance sound. Related Work Prior Work Several studies offer partial answers through the partial investigation of isolated considerations such as threat detection, compliance frameworks, or AI-driven security, however such aspects are not combined into an end-to- end solution that meets the specific needs of the financial sector. This paper introduces an integrated cyber resilience framework that aims to overcome existing shortfalls, as well as meets the needs of digital banking systems, by proposing a holistic, adaptive, and sector-specific model. It will be able to include real-time AI-powered threat intelligence, sophisticated machine learning algorithms for dynamic threat customization, regulatory compliance correlation orchestrated world standards (DORA, GDPR, PSD2, RBI guidelines), and improved user facing security features such as digital identity safeguard and biometric authentication. In addition, Explainable AI (XAI) makes systems more transparent and auditable, which is beneficial for regulatory reporting and stakeholder trust. It also reflects new risks of cloud-native architectures, third-party vendors, and advanced persistent threats. Enabled by the proposed end-to-end integration model, this paper provides a scalable and future-proofing solution to enhance the cyber resilience of digital banking infrastructures against existing and new cyber threats.
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