Credit card fraud detection is a critical research area due to the significant financial losses and security risks associated with fraudulent activities. This study presents FraudX AI, an ensemble-based framework addressing the challenges in fraud detection, including imbalanced datasets, interpretability, and scalability. FraudX AI combines random forest and XGBoost as baseline models, integrating their results by averaging probabilities and optimizing thresholds to improve detection performance. The framework was evaluated on the European credit card dataset, maintaining its natural imbalance to reflect real-world conditions. FraudX AI achieved a recall value of 95% and an AUC-PR of 97%, effectively detecting rare fraudulent transactions and minimizing false positives. SHAP (Shapley additive explanations) was applied to interpret model predictions, providing insights into the importance of features in driving decisions. This interpretability enhances usability by offering helpful information to domain experts. Comparative evaluations of eight baseline models, including logistic regression and gradient boosting, as well as existing studies, showed that FraudX AI consistently outperformed these approaches on key metrics. By addressing technical and practical challenges, FraudX AI advances fraud detection systems with its robust performance on imbalanced datasets and its focus on interpretability, offering a scalable and trusted solution for real-world financial applications.

Credit card fraud remains a significant concern for financial institutions due to its low prevalence, evolving tactics, and the operational demand for timely, accurate detection. Machine learning (ML) has emerged as a core approach, capable of processing large-scale transactional data and adapting to new fraud patterns. However, much of the literature modifies the natural class distribution through resampling, potentially inflating reported performance and limiting real-world applicability. This systematic literature review examines only studies that preserve the original class imbalance during both training and evaluation. Following PRISMA 2020 guidelines, strict inclusion and exclusion criteria were applied to ensure methodological rigor and relevance. Four research questions guided the analysis, focusing on dataset usage, ML algorithm adoption, evaluation metric selection, and the integration of explainable artificial intelligence (XAI). The synthesis reveals dominant reliance on a small set of benchmark datasets, a preference for tree-based ensemble methods, limited use of AUC-PR despite its suitability for skewed data, and rare implementation of operational explainability, most notably through SHAP. The findings highlight the need for semantics-preserving benchmarks, cost-aware evaluation frameworks, and analyst-oriented interpretability tools, offering a research agenda to improve reproducibility and enable effective, transparent fraud detection under real-world imbalance conditions.

Progress in detecting payment fraud is challenged by the limited variety of publicly available datasets. Relying on one or two datasets makes it hard to compare fairly, disguises sensitivity to data changes, and limits the ability to evaluate explainable methods in depth. This article introduces FraudX SimS, a scenario-labeled synthetic dataset designed to expand the set of benchmarks for anomaly detection in payment transactions, particularly in the context of fraud detection. The dataset preserves the class imbalance between legitimate and fraudulent activity and includes openly specified spatial, temporal, and behavioral features, allowing direct application of explainable artificial intelligence techniques. We establish baselines with standard machine learning models and report accuracy, precision, recall, F1-score, confusion-matrix results, and the area under the receiver operating characteristic curve (AUC-ROC) and the area under the precision–recall curve (AUC-PR), with a primary emphasis on recall given the cost of missed fraud. We further employ Shapley additive explanations to quantify feature contributions, enabling transparent error analysis and model refinement. Although synthetic, the dataset is constructed to support reproducible experimentation and cross-study comparisons, advancing the development of reliable and interpretable fraud-detection methods.

Efficiency of business processes in modern organizations depends on the capabilities of applied information technologies. The article describes and analyzes the role and features of audit tools and other methodological tools and models in ensuring the quality and security of information systems. The standard’s principles are reviewed, as well as the importance of meeting business needs. In order to protect virtual values in a company’s system environment, the importance of using information security models is revealed. Practical proposals in risk management and information security in information technology are analyzed through the COBIT standard. Measures for protecting the information system of an organization from accidental, deliberate or fake threats are considered. The possibility of using one of the real information security models by the information recipient or provider in accordance with the requirements of external processes is reported. Furthermore, in connection with increase in the number of attack methods and techniques and development of their new tools and vectors, the need to improve and ways to ensure information security are being considered. The essential tasks of security audit are considered, and the stages of their implementation are described. With regard to security of information systems, an analytical model is proposed for determining vulnerability’s numerical value.

The article is devoted to the introduction of digital watermarks, which formthe basis for copyright protection systems. Methods in this area are aimed at embedding hidden markers that are resistant to various container transformations. This paper proposes a method for embedding a digital watermark into bitmap images using Lagrange interpolation and the Bezier curve formula for five points, called Lagrange interpolation along the Bezier curve 5 (LIBC5). As a means of steganalysis, the RS method was used, which uses a sensitive method of double statistics obtained on the basis of spatial correlations in images. The output value of the RS analysis is the estimated length of the message in the image under study. The stability of the developed LIBC5 method to the detection of message transmission by the RS method has been experimentally determined. The developed method proved to be resistant to RS analysis. A study of the LIBC5 method showed an improvement in quilting resistance compared to that of the INMI image embedding method, which also uses Lagrange interpolation. Thus, the LIBC5 stegosystem can be successfully used to protect confidential data and copyrights.

Learning meaningful representations of scientific documents is essential for information retrieval, knowledge discovery, and recommendation systems. Traditional methods such as TF-IDF rely on lexical matching and fail to capture deeper semantic relationships, while transformer-based approaches typically depend on limited supervision signals. In this work, we propose a Triple-Source automatic supervision framework for learning document embeddings from scientific corpora. The model integrates three types of supervision–title–abstract pairs, same-category document pairs, and document-level semantic relationships—within a unified contrastive learning framework based on a multilingual XLM-RoBERTa encoder. Unlike prior approaches that rely on citation graphs or manual annotations, our method enables citation-free and annotation-free representation learning using only lightweight metadata. Experiments on a publicly available arXiv dataset consisting of 98,649 documents demonstrate improved semantic retrieval performance, achieving Recall@1 = 0.6181 for same-category retrieval and outperforming both TF-IDF and single-source transformer baselines. The learned embeddings also exhibit improved clustering of scientific domains, indicating more structured semantic representations.