(Autoencoders + SARIMA Residual Analysis)

• How it works:

  • Autoencoders learn “normal” transaction patterns (e.g., typical check amounts, transfer frequencies).

  • SARIMA models flag deviations in time-series data (e.g., sudden $5K cash-out at 3 AM).

  • Combined, they catch 92% of fraud (vs. 67% for rule-based systems).

• Real-world impact:

  • Thwarted a $28,000 counterfeit check ring in 2023 by spotting subtle serial number anomalies.

(Neural Networks for Customer Profiling)

• How it works:

  • Tracks 50+ behavioral markers (e.g., typing speed, mouse movements on kiosks, withdrawal timing).

  • Flags mismatches (e.g., if a “regular customer” suddenly behaves like a bot).

• Real-world impact:

  • Blocked 14 account takeover attempts last quarter by detecting impersonators.

(GRU Neural Networks + Time-Aware Features)

• How it works:

  • Analyzes borrower history (e.g., repayment delays, cash flow volatility).

  • Predicts default probability 30 days in advance with 89% accuracy.

• Real-world impact:

  • Reduced micro-loan losses by 22% in 2024.

(Computer Vision + IoT Sensors)

• How it works:

  • ATM cameras scan for hidden devices using YOLOv7 object detection.

  • Bluetooth sensors detect unauthorized card readers.

• Real-world impact:

  • “Bow Creek’s AI saved 37 customers from skimmers last month.” – PA Banking Digest

• How it works:

  • Snap a photo of your item (jewelry, watches, etc.) → CNN model estimates value in seconds.

  • Get an instant loan offer with dynamic LTV ratios (adjusts for market volatility).

• Benefit:

  • No more waiting for appraisals – 90% faster than traditional pawn loans.

• • How it works:

    • Sell Bitcoin/ETH for cash at competitive rates (integrated with CoinGecko API).

    • AI arbitrage engine finds the best liquidity pool for your trade.

  • Benefit:

    • Avoid exchange delays – cash in hand <10 minutes.