Manjula R. Chougala Dr

Real-Time UPI Fraud Detection Using a Hybrid XG Boost-LSTM Ensemble with Integrated Explainability

Each month, more than 12billion payments flow through India’s UPI system. This digital network now stands at the center of everyday money transfers across the country.. However, the instantaneous settlement characteristic of UPI shrinks the fraud-intervention window to under two seconds, rendering conventional rule-bas...