Transforming cybersecurity in Moroccan banking: Implementing a smart system with machine learning and biometric recognition

In the current era of digital transformation, the banking sector is undergoing significant changes, particularly within the Moroccan banking system, where data security has emerged as a critical concern. This paper investigates the pressing challenges posed by cyber threats, particularly the vulnerabilities associated with cloud-based data storage and online transactions. As incidents of cybercrime continue to escalate, there is an urgent need for effective intruder detection mechanisms to protect sensitive customer information. To address these challenges, this study proposes a Smart Online Banking System (SOBS) that integrates machine learning techniques with biometric recognition methods, including fingerprint scanning and facial recognition. By enhancing security protocols through advanced technologies, this model aims to mitigate risks associated with unauthorized access and bolster customer confidence in online banking services. The findings highlight the necessity for Moroccan banks to adopt innovative cybersecurity strategies that align with global best practices while addressing local challenges. Keywords: Cybersecurity, Moroccan Banking System, Machine Learning, Biometric Recognition, Cloud Data Security.