Enhancing UPI Fraud Detection Accuracy Using Isolation Forest: A Novel Machine Learning Approach

The Unified Payments Interface (UPI) has revolutionized how digital transactions are carried out in India, providing a speed-efficient and secure means, very easy to use. Nonetheless, the rising utilization of UPI has further elevated malicious activities, for example, unauthorized transactions, spurious payment links, as well as money fraud. As a result, our paper explores the new approach through which an innovative algorithm, such as the Isolation Forest (IF) algorithm, has been used to combat it. It finds the unusual patterns within an imbalanced dataset without the support of labeled data. Our model has focused attention on analyzing transaction behaviors besides detecting anomalies in a given dataset. In this case, the remarkable accuracy recorded is as high as 98%, far more than common usage of techniques like Random Forest, Support Vector Machines (SVM), and Logistic Regression. Real-world datasets were used to test and under such testing, it turned highly effective for real-time fraud detection. This research indicates the potential of sophisticated machine learning methods to make digital payment systems more secure and, consequently, protect users from falling into financial fraud.

Authors

Institutions

Publication Details

Published
2025-06-05
DOI
https://doi.org/10.1109/icetea64585.2025.11099839
Citations
3
Primary Topic
Imbalanced Data Classification Techniques
Type
article
Field-Weighted Citation Impact
7.44
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

Enhancing UPI Fraud Detection Accuracy Using Isolation Forest: A Novel Machine Learning Approach

Kathija Nasreen A, J. Sindhuja, M Pavithra
3 citations
Imbalanced Data Classification Techniques
7.44
article

Enhancing UPI Fraud Detection Accuracy Using Isolation Forest: A Novel Machine Learning Approach

Kathija Nasreen A, J. Sindhuja, M Pavithra
article en
3 citations

Abstract

The Unified Payments Interface (UPI) has revolutionized how digital transactions are carried out in India, providing a speed-efficient and secure means, very easy to use. Nonetheless, the rising utilization of UPI has further elevated malicious activities, for example, unauthorized transactions, spurious payment links, as well as money fraud. As a result, our paper explores the new approach through which an innovative algorithm, such as the Isolation Forest (IF) algorithm, has been used to combat it. It finds the unusual patterns within an imbalanced dataset without the support of labeled data. Our model has focused attention on analyzing transaction behaviors besides detecting anomalies in a given dataset. In this case, the remarkable accuracy recorded is as high as 98%, far more than common usage of techniques like Random Forest, Support Vector Machines (SVM), and Logistic Regression. Real-world datasets were used to test and under such testing, it turned highly effective for real-time fraud detection. This research indicates the potential of sophisticated machine learning methods to make digital payment systems more secure and, consequently, protect users from falling into financial fraud.

Robert Bosch (India) (IN)
Openalex Percentile: Top 3%
Imbalanced Data Classification Techniques
7.44
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.