Vimal Teja Manne

Building AI-Native Payment Systems: Fraud Prevention, Privacy, and Resilience in Real-Time Digital Payments

Abstract:

The digital payment is rapidly developing, and there is an increase in the demand to be fast, intelligent, secure, and reliable. Along with the growth of connection and real-time payment ecosystems, fraud, exposure of sensitive data, operational disruption, and cryptographic risks are also get increasingly problematic. This keynote will discuss how the current payment platform can be implemented to deal with these issues in a viable and efficient way.

The discussion is based on studies and industry consistent efforts to develop AI-powered fraud detection, graph-based risk score, privacy-enhancing payment architecture, tokenization, resilient gateway architecture, and post-quantum preparedness of financial systems. It describes the benefits of using advanced analytics to enhance fraud prevention, how privacy conscious architectures can minimize unneeded exposure of payment data, and how resilient design can enhance the reliability of transactions in demanding payment environments.

The session also looks back on the larger orientation of the digital payment in which technical innovation should be underpinned with good architecture, operational discipline, and compliance conscious design. This keynote provides insights to researchers, engineers, architects and decision-makers to build the next generation of robust and reliable payment systems by relating the knowledge gained in the research with the real-world problems.

Profile:

Vimal Teja Manne is a Business Analyst / Product Owner who has a career experience of 9 years in business analysis, digital payments, and business transformation based on technology. He now works at Verifone where he is doing payment system, platform modernization and operational improvement programs in complicated payment environments. He has a master’s degree in information technology and management at The University of Texas at Dallas.

His research and practice are related to AI-based fraud detection, payment system privacy, tokenization, resilient gateway architecture, risk scoring with graphs, and safe real-time financial infrastructure. He has written and given papers in 11 IEEE and Springer conferences as well as contributed to the academic world as a reviewer and a session chair in international conferences. He is a Senior Member of IEEE and Full Member of Sigma Xi. In his work, he unites the industry practice and research to meet the changing needs of the modern payment ecosystems.