Innovations in predictive analytics and banking systems integration

Katragadda, Mani Kiran Chowdary (2025) Innovations in predictive analytics and banking systems integration. World Journal of Advanced Engineering Technology and Sciences, 15 (1). pp. 780-787. ISSN 2582-8266

This technical article examines the transformative impact of predictive analytics and banking systems integration on the financial sector, with a particular focus on two exemplary implementations: PenFed Credit Union's PANGEN Project for credit card processing and the International Finance Corporation's iPortal and iDesk applications. This article explores how these innovations enhance core banking functionalities through advanced risk assessment algorithms, personalized credit offerings, cloud-based architectures, and API-driven integration. Additionally, the article investigates how AI-driven due diligence, smart fund disbursement, and real-time monitoring capabilities are revolutionizing fund management processes from initiation to disbursement, ultimately delivering improved operational efficiency, regulatory compliance, and customer experience in modern banking environments.