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ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM41347

AI-Driven Zero Trust Security Framework for Secure Banking Transactions in Multi-Cloud Environments

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM41347

Volume:

9 |

2 |

Feb 2025

Pages:

1-12

Publication Frequency:

Monthly (12 issues per year)

DOI
Digital Object Identifier
10.55041/IJSREM41347

License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.

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Authors

DGDK

Dr. G. Dileep Kumar

CSE

Siddhartha Institute of Technology & Sciences, Hyderabad

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GKK

G. Krishna Keerthana

CSE

Siddhartha Institute of Technology & Sciences, Hyderabad

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Abstract

The increasing adoption of multi-cloud computing in the banking sector has significantly improved scalability, availability, and operational flexibility. However, the distributed nature of multi-cloud infrastructures introduces complex security challenges, including identity compromise, insider attacks, unauthorized access, and advanced persistent threats. Traditional perimeter-based security models are inadequate for protecting modern banking applications that operate across heterogeneous cloud platforms. This paper proposes an AI-Driven Zero Trust Security Framework (AI-ZTSF) for secure banking transactions in multi-cloud environments. The framework combines Zero Trust Architecture (ZTA), machine learning-based anomaly detection, continuous authentication, adaptive access control, and behavioral analytics. The proposed model continuously evaluates trust scores for users, devices, and transactions before granting access. Experimental evaluation demonstrates improved detection accuracy, reduced false positives, and enhanced transaction security compared with conventional security mechanisms. The framework is suitable for modern banking ecosystems requiring real-time threat mitigation and regulatory compliance.

KEYWORDS

Cloud Security Zero Trust Architecture Banking Security Multi-Cloud Computing Artificial Intelligence Anomaly Detection Cybersecurity Trust Score.

Cite This Article

Dr. G. Dileep Kumar, G. Krishna Keerthana, "AI-Driven Zero Trust Security Framework for Secure Banking Transactions in Multi-Cloud Environments," International Journal of Scientific Research in Engineering and Management, vol. 9, no. 2, pp. 1-12, Feb 2025. https://doi.org/10.55041/IJSREM41347

Full Article/Conclusion

This paper presented an AI-Driven Zero Trust Security Framework for secure banking transactions in multi-cloud environments. The proposed framework integrates continuous verification, behavioral analytics, machine learning-based anomaly detection, and adaptive policy enforcement. Experimental analysis demonstrated superior performance compared with traditional security models. Future work will focus on federated learning, blockchain-based audit trails, and post-quantum cryptographic integration for next-generation banking security.  

References

[1] S. Rose, O. Borchert, S. Mitchell, and S. Connelly, “Zero Trust Architecture,” NIST SP 800-207, 2020. [2] R. Chandramouli and Z. Butcher, “A Zero Trust Architecture Model for Access Control in Cloud-Native Applications in Multi-Cloud Environments,” NIST SP 800-207A, 2023. [3] S. Rodigari et al., “Performance Analysis of Zero-Trust Multi-Cloud,” 2021. [4] S. Arora and J. Hastings, “Microsegmented Cloud Network Architecture Using Open Source Tools for a Zero Trust Foundation,” 2024. [5] S. Ahmed et al., “Quantum-driven Zero Trust Framework with Dynamic Anomaly Detection,” 2025. [6] S. Deochake et al., “A Multi-Cloud Framework for Zero-Trust Workload Authentication,” 2025. [7] Kindervag, J., "Build Security Into Your Network's DNA: The Zero Trust Network Architecture," Forrester Research, 2010. [8] Mell, P., and Grance, T., "The NIST Definition of Cloud Computing," NIST Special Publication 800-145, National Institute of Standards and Technology, 2011. [9] AlJahdali, H., Albatli, A., Garraghan, P., Townend, P., Lau, L., and Xu, J., "Multi-Tenancy in Cloud Computing," IEEE International Conference on Cloud Computing, pp. 344-351, 2014. [10] Modi, C., Patel, D., Borisaniya, B., Patel, A., and Rajarajan, M., "A Survey of Intrusion Detection Techniques in Cloud," Journal of Network and Computer Applications, vol. 36, no. 1, pp. 42–57, 2013.

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Publication Date

6/16/2026

Peer Review Type

Double-Blind Peer Review

Review Rounds: 2

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