AI-Based Adaptive Multi-Factor Authentication for Secure E-Commerce Transactions using Risk-Aware Fraud Detection

This paper presents an AI-based adaptive multi-factor authentication system designed to enhance the security of e-commerce transactions. The proposed system incorporates risk-aware fraud detection techniques to dynamically adjust authentication requirements based on user behavior, device characteristics, and transaction patterns. The approach improves security while maintaining user convenience by minimizing unnecessary authentication steps for low-risk activities.