Next-Generation AI-Cloud Network Architecture for Scalable Banking Modernization Using Oracle and SAP Integration

Abstract

The accelerating digital transformation in the financial sector necessitates robust, scalable, and intelligent infrastructures capable of supporting complex data workflows, real-time analytics, and secure interconnectivity. This paper presents a Next-Generation AI-Cloud Network Architecture designed to modernize banking systems through the seamless integration of Oracle databases and SAP financial platforms. The proposed framework leverages Artificial Intelligence (AI) to automate decision-making, optimize transaction processing, and enhance predictive financial analytics. By incorporating cloud computing and network virtualization, the architecture ensures high scalability, operational resilience, and fault-tolerant data management across distributed environments. Oracle databases serve as the backbone for structured financial data storage, enabling efficient data retrieval, consistency, and compliance with regulatory frameworks. SAP integration enhances enterprise-level financial operations through automated workflows, accounting transparency, and seamless data synchronization across business units. The inclusion of AI-powered modules supports intelligent fraud detection, credit risk modeling, and dynamic resource allocation, while network optimization ensures low-latency data exchange and secure inter-bank communication. This architecture also embeds privacy-preserving mechanisms such as encryption, access control, and continuous security monitoring to protect sensitive banking information in real-time. The resulting system establishes a scalable, intelligent, and secure digital banking ecosystem that promotes efficiency, customer trust, and regulatory compliance, aligning with the vision of Industry 5.0 in financial modernization.