Rishabh Vinod Kumar Dubey and Dr. Ravinder Singh Madhan 2026. Intelligence at the Vault: How Machine Learning is Revolutionizing Banking, Credit Risk & Fraud Detection. An In-Depth Analysis of Machine Learning Applications for Banking and FinanceThe financial services sector stands at an inflection point, driven by . Bulletin of Engineering Science, Technology and Industry. 4, 1 (Jun. 2026), 720–733.