Cross-Border Payment Optimization Using Artificial Intelligence for Global Finance

Cross-border payment systems are essential for global trade and international financial transactions; however, traditional infrastructures face challenges such as high transaction fees, long settlement times, and lack of transparency. This paper presents an Artificial Intelligence-based framework for optimizing cross-border payments using anomaly detection and fee optimization. The Isolation Forest algorithm identifies abnormal transactions, while percentile-based analysis recommends fair transaction fees. A Flask-based dashboard provides real-time insights.