Future-proofing ACH and virtual credit card security: AI-driven risk mitigation strategies

Kothinti, Kedarnath Goud (2025) Future-proofing ACH and virtual credit card security: AI-driven risk mitigation strategies. World Journal of Advanced Engineering Technology and Sciences, 15 (1). pp. 1135-1144. ISSN 2582-8266

This article examines the evolving landscape of security measures for Automated Clearing House (ACH) transactions and Virtual Credit Cards (VCCs) in the face of increasingly sophisticated digital payment threats. The article explores how artificial intelligence and machine learning technologies are revolutionizing fraud prevention through advanced detection frameworks incorporating Graph Neural Networks, Isolation Forests, and deep autoencoder architectures. The article presents a comprehensive analysis of multi-layered authentication strategies leveraging behavioral biometrics, device intelligence, and geospatial analytics to create continuous, frictionless security environments. The article investigates how cryptographic tokenization and dynamic risk-based authentication establish robust transaction security while maintaining seamless user experiences. The article further addresses the business implications of these technologies, examining regulatory compliance requirements, cost-benefit considerations, and the critical balance between security and usability. Looking toward future developments, we evaluate emerging paradigms, including zero-trust architectures, federated identity models, and selective blockchain applications that promise to reshape payment security. This integrated approach demonstrates how financial institutions can simultaneously strengthen security postures, enhance customer experiences, and build lasting trust in digital payment ecosystems through the strategic implementation of AI-driven security technologies.