Designing a Risk-Aware AI Governance and Fraud Prevention Framework for Cloud-Based SAP and Open Banking Systems: Integrating Environmental Pollutant Data for Cancer Outcome Insights
DOI:
https://doi.org/10.15680/IJCTECE.2025.0806805Keywords:
AI governance, fraud prevention, SAP cloud systems, Open Banking integration, environmental pollutants, cancer outcome analytics, risk-aware frameworks, federated learning, zero-trust security, data ethics, governance-as-code, explainable AI, sustainable enterprise systems, precision public health, cross-sector data integration.Abstract
The convergence of enterprise, financial, and environmental data ecosystems presents both unprecedented opportunities and complex governance challenges. This paper proposes a risk-aware AI governance and fraud prevention framework tailored for cloud-based SAP and Open Banking systems, integrating environmental pollutant datasets to enable holistic cancer outcome analytics. The framework employs AI-driven anomaly detection, predictive risk modeling, and governance-as-code principles to ensure transparency, compliance, and resilience across multi-domain data flows. By leveraging secure API orchestration, federated learning, and zero-trust security models, the system facilitates the responsible integration of financial transactions, enterprise resource data, and environmental exposure indicators. This enables cross-sectoral insights into how socio-environmental and economic factors correlate with cancer risks and treatment outcomes. The study also introduces a dynamic fraud prevention layer, combining explainable AI with regulatory logic to detect irregular financial or data access patterns while maintaining data privacy and ethical accountability. Evaluation scenarios demonstrate improved data traceability, reduced fraud vulnerability, and enhanced analytical capacity for precision health policy and sustainable enterprise governance. The proposed architecture bridges the gap between financial integrity, environmental responsibility, and health intelligence within an AI-regulated cloud ecosystem.
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