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Technical Architecture

Detailed overview of our GenAI-based fraud detection solution architecture

System Architecture Diagram

Model Architecture

Core Detection Models
Transformer-based architecture

  • Transaction Analysis Model

    Fine-tuned on Hong Kong transaction patterns with special attention to cross-border flows with mainland China

  • Identity Verification Model

    Specialized for Hong Kong ID documents and address verification patterns

  • Behavioral Analysis Model

    Tracks user behavior across digital channels with cultural context for Hong Kong users

Generative Components
GAN and diffusion model architecture

  • Synthetic Data Generator

    Creates realistic fraud scenarios based on Hong Kong financial patterns

  • Adversarial Testing Framework

    Continuously challenges detection models with new fraud patterns

  • Explanation Generator

    Produces human-readable explanations for model decisions in compliance with HKMA requirements

Model Training Pipeline

Model Training Pipeline

Regulatory Compliance

Hong Kong Regulatory Framework
Our solution is designed to meet all relevant Hong Kong financial regulations

HKMA Guidelines

  • Guideline on Anti-Money Laundering and Counter-Financing of Terrorism
  • Cybersecurity Fortification Initiative 2.0
  • Supervisory Policy Manual on Technology Risk Management

Data Privacy

  • Personal Data (Privacy) Ordinance (PDPO)
  • PCPD Guidelines on Use of AI and Personal Data
  • Data Ethics Principles for the Banking Industry