arXiv:2606.25007v1 Announce Type: new Abstract: Financial fraud detection in digital banking requires reasoning over multiple heterogeneous event streams -- transactions, login sessions, risk signals -- that individually appear benign but collectively reveal fraudulent patterns. We propose the Multi-Stream Fraud Transformer (MSFT), a unified architecture that encodes each event stream with independent Transformer encoders and fuses their representations through configurable mechanisms. We conduct a systematic ablation study comparing five fusion strategies: concatenation, gated fusion, time-aw
Source: arXiv cs.LG — read the full report at the original publisher.