Journal Section

Advances in Machine Learning, IoT and Data Security

Open Access
Cite Score: 0.5 Impact Factor: 0.3
Cyber Risk Analytics and Security Frameworks for Safeguarding U.S. Digital Banking Infrastructure
Author's Details

Name: Md Fakhrul Hasan Bhuiyan

Email: fakhrulbcef@gmail.com

Department: Department of Information Studies

Affiliation Number: 1

Address: Indiana, USA

Affiliations

1 Department of Information Studies, Trine University , Indiana, USA

2 Department of Business Analytics, Trine University , Indiana, USA

3 Department of Business Administration, Westcliff University , 400 Irvine, CA 92614, USA

4 Department of Business Administration, International American University, Los Angeles, CA 90010, USA

Abstract
This study explores the current landscape of information security policies and practices within the U.S. banking sector, while offering comparative insights from global banking systems. Using a qualitative approach and guided by PRISMA 2020 standards, the research involved a systematic review of 125 academic papers and 20 reports sourced from databases such as Scopus, Web of Science, and Google Scholar. The analysis reveals that U.S. banks face a wide array of cybersecurity threats, including phishing, ransomware, insider risks, and regulatory challenges. Nevertheless, robust security frameworks— anchored by legislation like the Gramm-Leach-Bliley Act and supported by partnerships with agencies such as CISA and FS-ISAC—have helped mitigate these risks by fostering trust, enhancing fraud detection through AI, and maintaining financial stability. Global comparisons highlight shared concerns over evolving threats, regulatory compliance, and the importance of international collaboration. While the U.S. demonstrates strong regulatory foundations, areas for improvement include enhanced employee training, broader adoption of advanced cybersecurity tools, and greater cross-border coordination. The study concludes by recommending multi-factor authentication, AI and blockchain integration, and increased employee awareness initiatives. However, it notes limitations such as the reliance on secondary data and a U.S.-centric focus. Future research should include primary da...

Keywords: 

Cybersecurity, Banking Sector, Information Security, Regulatory Compliance, Artificial Intelligence, Risk Management

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This article is Open Access CC BY-NC
Article Information
Article Type
Research Paper
Submitted
12 September, 2025
Revised
03 October, 2025
Accepted
18 October, 2025
Online First
25 October, 2025
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