Digital Commons Network^™

Unlocking The Power Of Socio-Knowledge Association For Enterprise Risk Identification In Stock Market, Zhenghao Liu, Keng Siau, Shaochen Yang, Feicheng Ma

Research Collection School Of Computing and Information Systems

Potential risk signals reflected in supply chain and equity connections between enterprises and social connections between investors are becoming crucial to identifying enterprise risks in addition to basic financial indicators. Traditional risk management systems face challenges in adapting to these complexities, highlighting the need for a proactive paradigm shift in risk management. Leveraging graph models such as social networks and knowledge graphs offers a promising approach to identifying and managing potential associated risks effectively. To bridge existing research gaps, a novel risk identification framework driven by social-knowledge graphs has been proposed, integrating graph deep learning and reinforcement learning techniques guided …

Navigating Ethical Dimensions In The Metaverse: Challenges, Frameworks, And Solutions, Mousa Al-Kfairy, Saed Alrabaee, Omar Alfandi, Amr Taha Mohamed, Souheil Khaddaj

All Works

The Metaverse is rapidly evolving into a transformative digital ecosystem, bringing with it unprecedented opportunities and a complex array of ethical challenges. This narrative review, based on an in-depth analysis of 105 full publications, explores the key ethical themes associated with the Metaverse, including privacy and data security, identity and behavior, digital inclusivity, mental and physical health, ethical AI, content moderation, intellectual property, governance, environmental sustainability, harassment, cultural representation, and economic implications. Proposed solutions for these challenges encompass privacy-by-design frameworks, robust identity verification systems, equitable access initiatives, explainable AI, and blockchain-based intellectual property protections. Additionally, the review examines governance and …

Romance Scam Victimization: A Survey-Based Examination Of Financial, Psychological, And Reporting Factors, Ld Herrera

Research & Publications

Romance scams are a growing type of cybercrime in which perpetrators develop and exploit fraudulent romantic relationships with victims to obtain financial resources. These schemes cause substantial economic and psychological damage, yet they are significantly underreported. Official 2022 reports indicate only \$1.3 billion lost to romance scams in the US, but the true financial toll is likely much higher.

Using survey data from 366 victims, this study examines the financial and psychological toll of romance scams, reporting patterns, obstacles to seeking help, and victims' perceptions of received help. Most of the victims (60.9\%) did not seek help from any source, …

Leveraging Benford’S Law And Machine Learning For Financial Fraud Detection, Benjamin R. Fu

Cybersecurity Undergraduate Research Showcase

Financial fraud, particularly credit card fraud, continues to pose substantial challenges to financial institutions due to its increasing frequency and impact on consumer trust. While traditional rule-based methods have provided foundational defenses, their limitations in scalability and adaptability have accelerated the adoption of machine learning (ML) techniques. Concurrently, Benford’s Law—a statistical principle often used in forensic accounting—has demonstrated efficacy in detecting anomalies within naturally occurring numerical datasets. This study explores a hybrid fraud detection approach that integrates Benford’s Law with supervised machine learning algorithms, including Logistic Regression, Random Forest, and k-Nearest Neighbors. Using the publicly available European credit card fraud …

How Can We Improve Our Security Measures To Safeguard Against Cyber Threats?, Mattea Trotter-Hicks

Cybersecurity Undergraduate Research Showcase

Many people face the issue of having their information stolen without their knowledge of what is happening. I understand that some people don’t pay attention to everything when it comes to making sure their information is being secured properly. There must be set stages for those who don’t know technology as well and will need help with knowing what to do. There are many stories of people going through issues with getting hacked or scammed out of their money or important information. We are going to dive into finding ways to fix the outcome of others knowing what to do …

Temporal Relational Graph Convolutional Networks For Financial Applications, Brindha Priyadarshini Jeyaraman

Dissertations and Theses Collection (Open Access)

The financial industry operates within a highly dynamic and interconnected ecosystem, presenting unique challenges for predictive modeling and decision-making. Accurately forecasting financial performance, assessing credit risk, detecting fraud, and ensuring compliance require methodologies that can capture complex temporal, relational, and contextual dependencies within financial data. This thesis investigates the use of Temporal Relational Graph Convolutional Networks (TRGCNs) combined with financial knowledge graphs (FKGs) to address these challenges and enable advanced analytics in the financial domain. We introduce FintechKG, a financial knowledge graph constructed through a threedimensional information extraction process, incorporating entities, temporal dimensions, and domain-specific financial relationships. A TRGCN-based framework …

Cybercrime As A Threat To The Banking Sector: A Perspective From Commercial Banks In Bangladesh, Hasibul Hossain, Rezaul Karim Shohag, Nikhil Chandra Nath, Sushmita Das Dalia

International Journal of Cybersecurity Intelligence & Cybercrime

Cyber and technology related crimes are gradually increasing all over the world due to rapid transitions and transactions in the digital world and cyberspace. Cyber related threats are increasingly becoming universal, multi-faceted, sophisticated and transnational in this tech-driven age. Governments, law enforcement agencies, IT professionals, scholars, and researchers worldwide have been concerned about digital deviance and crime. The transition to this widespread cybercrime is particularly difficult for developing countries. Recently, the banking sectors in Bangladesh have seen the emerging threats to its system and reserves through cyberspace, e. g. cyber-attacks or taking illegal access. Cybercrime is becoming a threat to …

Ransomware In Healthcare: Threats, Impacts, And Mitigation Strategies, Mackenzie Dotson, Kasi Gorli, Alberto Coustasse

Management Faculty Research

Excerpt: The growing digitalization of healthcare has exposed hospitals to significant cybersecurity threats, particularly ransomware attacks. The Health Sector Cybersecurity Coordination Center (HC3) reported that as of mid-2024, there were 730 cyber-attacks worldwide against healthcare institutions, with 530 targeting the U.S. (AHA, 2024). Half of these incidents involved ransomware, a type of malware that restricts access to critical data until a ransom is paid (HHS, 2021). Hospitals are attractive targets for cybercriminals due to their essential role in patient care. Cybercriminals exploit vulnerabilities in hospital networks, often causing severe operational and financial damage. Factors such as understaffed IT teams, outdated …

Educating Students On The Behavioral And Psychological Aspects Of Romance Scam Victimization Via A Social Engineering Competition, Rachel Bleiman, Hwanhee Park, Aunshul Rege

Journal of Cybersecurity Education, Research and Practice

The online dating industry generated 2.98 billion USD in 2023 and is estimated to reach 3.6 billion USD by 2025. Not surprisingly, online dating platforms are rife with romance scams that cause financial damages, with estimated losses of 1.3 billion USD in 2022 alone. Additionally, victims suffer emotional and psychological harms. This paper shares findings from a 2023 Romance Scam and Social Engineering Competition (RSSEC) that introduced students to the behavioral and psychological aspects of romance scams. Specifically, the competition aimed to expose students to (i) understanding how victims experience social engineering (SE) - the psychological manipulation of human behavior, …

Anogat-Sparse-Tl: A Hybrid Framework Combining Sparsification And Graph Attention For Anomaly Detection In Attributed Networks Using The Optimized Loss Function Incorporating The Twersky Loss For Improved Robustness., Nadhem Ebrahim, Wasim Khan

University Research

In recent years, the identification of abnormalities in attributed networks has become essential for applications including social media analysis, cybersecurity, and financial fraud detection. Unsupervised graph anomaly detection techniques seek to recognize infrequent and anomalous patterns in graph-structured data without the necessity of labelled instances. Conventional methods employing Graph Neural Networks (GNNs) frequently encounter difficulties, especially due to the transmission of noisy edges and the intrinsic intricacy of node interrelations. To overcome these restrictions, we introduce ANOGAT-Sparse-TL, an innovative hybrid framework that integrates graph sparsification and Graph Attention Networks (GAT) with autoencoder-based reconstruction for anomaly detection in attributed networks. The …

Scalable Approaches Towards Characterizing And Mitigating Emerging Phishing Scams, Sayak Saha Roy

Computer Science and Engineering Dissertations - Archive

Phishing scams are among the most dangerous and persistent forms of cybercrime, leveraging social engineering to exploit human behavior and obtain sensitive information, leading to widespread identity theft and data breaches. In the past year, these attacks have resulted in financial losses exceeding $10 billion in the United States alone. As phishing scams continue to evolve, they have not only expanded in scale but also grown in sophistication, spreading rapidly across social media and employing adversarial techniques to evade detection by anti-scam tools. The situation is further exacerbated by the availability of advanced phishing kits, and more recently, generative AI, …

Insights In Cybersecurity Of A Smart Campus - A Review, Mircea Ţălu

Journal of Cybersecurity Education, Research and Practice

The profound impact of the Internet of Things (IoT) on various fronts, is driven by technological advancements, the ubiquitous spread of information, and the emergence of transformative events. IoT presents a diverse array of possibilities within university environments, fostering a more connected and enhanced educational experience. This research undertakes a comprehensive review of existing literature to provide context to the IoT and underscore its crucial significance in the realm of smart campuses. Additionally, the paper explores the intricate connections between IoT and key concepts such as cybersecurity and wireless sensor networks to present a holistic perspective. It delves into the …

Credit Card Fraud Detection., Sonia Ndonga

ICT

This capstone project applies machine learning to detect credit card fraud, addressing a critical financial threat to banks and payment providers. Using an anonymised dataset of 284,807 transactions, which is highly imbalanced with only 0.172% fraudulent cases, three models—Logistic Regression, Random Forest, and Gradient Boosting—were developed and evaluated. The pipeline incorporates data preprocessing, feature engineering, hyperparameter tuning, cross-validation, and interpretability analysis using SHAP values, SHAPASH, and permutation importance. Random Forest achieved the highest performance with an ROC AUC of 0.97 and Average Precision of 0.66. The study also considers fairness, threshold optimisation, and practical deployment strategies, providing a robust automated …

Enhancing Financial Fraud Detection Using Explainable Deep Learning Models On Simulated Big Data Architectures: A Comparative Analysis With Traditional Methods., Aoife Yang

ICT

Financial fraud poses a growing global challenge, driven by the rapid expansion of digital banking, e-commerce, and mobile payments. Traditional rule-based and early machine learning systems struggle to detect novel and sophisticated fraud patterns in real time. This research investigates the integration of deep learning, explainable artificial intelligence (XAI), and big data technologies to enhance financial fraud detection. A scalable data pipeline is proposed to process large volumes of transactional data, improve detection accuracy, and provide interpretable insights for stakeholders. The study highlights the potential of combining advanced AI techniques with explainability to strengthen the transparency, effectiveness, and trustworthiness of …

Sting: A Stealthy Backdoor Attack On Gnn-Based Malicious Domain Detection Via Dns Perturbations, Muhammad Anan, Mahmoud Nazzal, Abdallah Khreishah, Issa Khalil, Nhathai Phan, Ahmad Sawalmeh

Computer Science Faculty Publications

Detecting malicious Internet domains is essential for safeguarding against various online threats. The current approach to detecting malicious domains (MDD) employs a graph neural network (GNN) method, which uses DNS logs to construct heterogeneous graphs for determining the maliciousness of unknown domains. Despite its success, this method is vulnerable to data poisoning attacks where an adversary can manipulate specific graph nodes to implant a backdoor into the model during training. To showcase the vulnerability, we propose a stealthy trigger injection attack on node features and graph structure in MDD, dubbed (STING). The attacker carefully manipulates selected features and edges of …

Content Subversion Against 1 Information-Based Systems, Junjie Xiong, Ian Markwood, Dakun Shen, Yao Liu, Zhuo Lu

Computer Science Faculty Research & Creative Works

We present a novel class of content subversion attacks against information-based services, causing documents to appear to humans dissimilar to the underlying content extracted by information-based services. We demonstrate the significant impact of these attacks on real-world systems through five distinct variants. Our first attack allows academic paper writers and reviewers to collude via subverting the automatic reviewer assignment systems in current use by academic conferences including INFOCOM, which we reproduced. Our second attack renders ineffective plagiarism detection software, particularly Turnitin, targeting specific small plagiarism similarity scores to appear natural and evade detection. In our third attack, we place masked …

Regulating Robo-Advisors In An Age Of Generative Artificial Intelligence, Daniel Schwarcz, Tom Baker

Law & Economics Working Papers

New generative Artificial Intelligence (AI) tools can increasingly engage in personalized, sustained and natural conversations with users. This technology has the capacity to reshape the financial services industry, making customized expert financial advice broadly available to consumers. However, AI’s ability to convincingly mimic human financial advisors also creates significant risks of large-scale financial misconduct. Which of these possibilities becomes reality will depend largely on the legal and regulatory rules governing “robo-advisors” that supply fully automated financial advice to consumers. This Article consequently critically examines this evolving regulatory landscape, arguing that current U.S. rules fail to adequately limit the risk that …

Towards A Comprehensive Metaverse Forensic Framework Based On Technology Task Fit Model, Amna Almutawa, Richard Adeyemi Ikuesan, Huwida Said

All Works

This article introduces a robust metaverse forensic framework designed to facilitate the investigation of cybercrime within the dynamic and complex digital metaverse. In response to the growing potential for nefarious activities in this technological landscape, the framework is meticulously developed and aligned with international standardization, ensuring a comprehensive, reliable, and flexible approach to forensic investigations. Comprising seven distinct phases, including a crucial incident pre-response phase, the framework offers a detailed step-by-step guide that can be readily applied to any virtualized platform. Unlike previous studies that have primarily adapted the existing digital forensic methodologies, this proposed framework fills a critical research …

Hacker, Their Actions, And Fear Appeal: A First Look Through The Lens Of Children, Rizu Paudel, Mahdi Nasrullah Al-Ameen

Computer Science Student Research

With the increasing use of computers and smartphones by children, their online safety has become a major concern due to the lack of security awareness. Prior studies pointed to children's poor password habit and vague perceptions on the significance of passwords. While users must be sufficiently motivated to perform a target behavior, a little study to date, focused on understanding how we can encourage children towards strong password creation. As we begin to address this gap, we examined children's perceptions of adversary's actions that instill fear in the context of password compromise. Our semi-structured interviews with 20 children (aged between …

Bridging The Protection Gap: Innovative Approaches To Shield Older Adults From Ai-Enhanced Scams, Ld Herrera, London Van Sickle, Ashley L. Podhradsky

Research & Publications

Artificial Intelligence (AI) is rapidly gaining popularity as individuals, groups, and organizations discover and apply its expanding capabilities. Generative AI creates or alters various content types including text, image, audio, and video that are realistic and challenging to identify as AI-generated constructs. However, guardrails preventing malicious use of AI are easily bypassed. Numerous indications suggest that scammers are already using AI to enhance already successful scams, improving scam effectiveness, speed and credibility, while reducing detectability of scams that target older adults, who are known to be slow to adopt new technologies. Through hypothetical cases analysis of two leading scams, the …

Temporal Relational Graph Convolutional Network Approach To Financial Performance Prediction, Jeyaraman Brindha Priyadarshini, Bing Tian Dai, Yuan Fang

Research Collection School Of Computing and Information Systems

Accurately predicting financial entity performance remains a challenge due to the dynamic nature of financial markets and vast unstructured textual data. Financial knowledge graphs (FKGs) offer a structured representation for tackling this problem by representing complex financial relationships and concepts. However, constructing a comprehensive and accurate financial knowledge graph that captures the temporal dynamics of financial entities is non-trivial. We introduce FintechKG, a comprehensive financial knowledge graph developed through a three-dimensional information extraction process that incorporates commercial entities and temporal dimensions and uses a financial concept taxonomy that ensures financial domain entity and relationship extraction. We propose a temporal and …

Revolutionizing Public Safety And Criminal Justice Through Ai, Alan Saquella

Publications

Artificial Intelligence (AI) is rapidly transforming public safety, criminal justice and security by fundamentally changing how crimes are committed, investigated and prevented. As AI tools become increasingly sophisticated, law enforcement and corporate security professionals are utilizing these advancements to enhance their capabilities. However, integrating AI into these sectors also brings significant challenges, including ethical concerns, recruitment difficulties, and the surge in crime rates. This article examines the transformative impact of AI, the ongoing efforts to unify AI applications across public safety and security sectors, and expert advice on overcoming the associated challenges.

Trends From 20 Years Of Artificial Intelligence In Financial Services In Africa, Nthabiseng Moela, Lerato Matlala, Jackie Ma, Dipuo Maphutha, Hossana Twinomurinzi

African Conference on Information Systems and Technology

The need for financial inclusion in Africa, particularly for marginalised groups like women and small businesses, highlights the importance of leveraging Artificial Intelligence (AI). This study provides a bibliometric analysis of AI's integration into African financial services from 2003 to 2023. The key results show a significant increase in AI use, particularly in fraud detection, credit risk prediction, and stock market volatility forecasting, with 49% of the research coming from South Africa, Nigeria, and Tunisia. However, areas like financial development management, inflation control, and gender disparities in loan access remain underexplored. The emphasis has been on the technical implementation of …

A Comparative Analysis Of Shap, Lime, Anchors, And Dice For Interpreting A Dense Neural Network In Credit Card Fraud Detection, Bujar Raufi, Ciaran Finnegan, Luca Longo

Conference papers

Financial institutions heavily rely on advanced Machine Learning algorithms to screen transactions. However, they face increasing pressure from regulators and the public to ensure AI accountability and transparency, particularly in credit card fraud detection. While ML technology has effectively detected fraudulent activity, the opacity of Artificial Neural Networks (ANN) can make it challenging to explain decisions. This has prompted a recent push for more explainable fraud prevention tools. Although vendors claim to improve detection rates, integrating explanation data is still early. Data scientists recognize the potential of Explainable AI (XAI) techniques in fraud prevention, but comparative research on their effectiveness …

The Information Content Of Financial Statement Fraud Risk: An Ensemble Learning Approach, Wei Duan, Nan Hu, Fujing Xue

Research Collection School Of Computing and Information Systems

This study aims to assess the financial statement fraud risk ex ante and empirically explore its information content to help improve decision-making and daily operations. We propose an ex-ante fraud risk index by adopting an ensemble learning approach and a theoretically grounded framework. Our ensemble learning model systematically examines the fraud process and deals effectively with the unique challenges in the financial fraud setting, which yields superior prediction performance. More importantly, we empirically examine the information content of our estimated ex-ante fraud risk from the perspective of operational efficiency. Our empirical results find that the estimated ex-ante fraud risk is …

On The Sustainability Of Deep Learning Projects: Maintainers' Perspective, Junxiao Han, Jiakun Liu, David Lo, Chen Zhi, Yishan Chen, Shuiguang Deng

Research Collection School Of Computing and Information Systems

Deep learning (DL) techniques have grown in leaps and bounds in both academia and industry over the past few years. Despite the growth of DL projects, there has been little study on how DL projects evolve, whether maintainers in this domain encounter a dramatic increase in workload and whether or not existing maintainers can guarantee the sustained development of projects. To address this gap, we perform an empirical study to investigate the sustainability of DL projects, understand maintainers' workloads and workloads growth in DL projects, and compare them with traditional open-source software (OSS) projects. In this regard, we first investigate …

Unveiling The Efficacy Of Ai-Based Algorithms In Phishing Attack Detection, Tajamul Shahzad, Kashif Aman

Journal of Informatics and Web Engineering

Phishing poses a significant challenge in an ever-evolving world. The increased usage of the Internet has resulted in the emergence of a different kind of theft referred to as cybercrime. The term cybercrime describes the act of invading privacy and illegitimately obtaining personal information using digital platform. Primarily an approach named phishing is employed, which involves the use of spoof emails or bogus websites by the attackers to get the victim's personal information like their account credentials, debit, or credit card’s number, etc. To give the brief knowledge of phishing attacks and their types of the objective of this work …

Nidus Idearum. Scilogs, Xiv: Superhyperalgebra, Florentin Smarandache

Branch Mathematics and Statistics Faculty and Staff Publications

In this fourteenth book of scilogs – one may find topics on examples where neutrosophics works and others don’t, law of included infinitely-many-middles, decision making in games and real life through neutrosophic lens, sociology by neutrosophic methods, Smarandache multispace, algebraic structures using natural class of intervals, continuous linguistic set, cyclic neutrosophic graph, graph of neutrosophic triplet group , how to convert the crisp data to neutrosophic data, n-refined neutrosophic set ranking, adjoint of a square neutrosophic matrix, neutrosophic optimization, de-neutrosophication, the n-ary soft set relationship, hypersoft set, extending the hypergroupoid to the superhypergroupoid, alternative ranking, Dezert-Smarandache Theory (DSmT), reconciliation between …

Present Case Studies Highlighting Practical Implications Of Architectural Design Choices, Emily Barnes, James Hutson

Faculty Scholarship

The interpretability of deep neural networks (DNNs) has become a crucial focus within artificial intelligence and machine learning, particularly as these models are increasingly used in high-stakes applications such as healthcare, finance, and autonomous driving. This article explores the impact of architectural design choices on the interpretability of DNNs, emphasizing the importance of transparency, trust, and accountability in AI systems. By presenting case studies and experimental results, the article highlights how different architectural elements—such as layer types, network depth, connectivity patterns, and attention mechanisms—affect model interpretability and performance. The discussion is structured into three main sections: real-world applications, architectural trade-offs, …

Data Profits Vs. Privacy Rights: Ethical Concerns In Data Commerce, Amiah Armstrong

Cybersecurity Undergraduate Research Showcase

In today’s digital age, the collection and sale of customer data for advertising is gaining a growing number of ethical concerns. The act of amassing extensive datasets encompassing customer preferences, behaviors, and personal information raises questions of its true purpose. It is widely acknowledged that companies track and store their customer’s digital activities under the pretext of benefiting the customer, but at what cost? Are users aware of how much of their data is being collected? Do they understand the trade-off between personalized services and the potential invasion of their privacy? This paper aims to show the advantages and disadvantages …