Rishabh Vinod Kumar Dubey and Dr. Ravinder Singh Madhan, “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 ”, BESTI, vol. 4, no. 1, pp. 720–733, Jun. 2026.