An intelligent system for user behavior detection in Internet Banking

Security and making trust is the first step toward development in both real and virtual societies. Internet-based development is inevitable. Increasing penetration of technology in the internet banking and its effectiveness in contributing to banking profitability and prosperity requires that satisfied customers turn into loyal customers. Currently, a large number of cyber attacks have been focused on online banking systems, and these attacks are considered as a significant security threat. Banks or customers might become the victim of the most complicated financial crime, namely internet fraud. This study has developed an intelligent system that enables detecting the user´s abnormal behavior in online banking. Since the user´s behavior is associated with uncertainty, the system has been developed based on the fuzzy theory, This enables it to identify user behaviors and categorize suspicious behaviors with various levels of intensity. The performance of the fuzzy expert system has been evaluated using an receiver operating characteristic curve, which provides the accuracy of 94%. This expert system is optimistic to be used for improving e-banking services security and quality.