Detection and Compliance in Financial Management via 6G-Enabled Standardized AI-Powered Digital Twins

Abstract

The quick development of financial technologies and digital transactions has made fraud detection and regulatory compliance more difficult. This study introduces a Financial Digital Twin with Explainable AI over 6G (FinDT-XAI6G) to enhance real-time fraud detection and compliance monitoring in financial systems. The proposed method leverages the ultra-low latency, high bandwidth, and pervasive intelligence capabilities of 6G networks to enable seamless synchronization between digital twins and real-world financial activities. Common modeling approaches ensure interoperability across financial firms, regulatory bodies, and auditing authorities. Embedded artificial intelligence systems continuously examine vast amounts of transactional data, behavioral patterns, and contextual indications to spot anomalies that could be signs of fraud. Financial firms may now fully and transparently explain automated judgments to regulators thanks to Explainable AI (XAI) modules that enhance interpretability. Blockchain-based audit trails also guarantee data integrity, accountability, and traceability across distributed infrastructures. The integration of 6G connectivity allows for real-time monitoring, cross-border compliance validation, and instant anomaly reporting, even in scenarios with huge data volumes. Comparative studies reveal that our 6G-driven digital twin approach significantly improves detection accuracy, reduces false positives, and expedites compliance verification when compared to traditional methods. Additionally, its scenario modeling capabilities enable the proactive assessment of emerging compliance risks in dynamic regulatory and commercial contexts. Overall, this study demonstrates how financial fraud prevention and compliance assurance in next-generation digital economies can be revolutionized by 6G intelligence-powered standardized, AI-integrated digital twins.