Teewa56/Hybrid-Temporal-Graph-Transformer

Fraud Detection model for African Fintechs --- title: Hybrid Temporal Graph Transformer emoji: 📈 colorFrom: blue colorTo: indigo sdk: docker app_port: 7860 pinned: false --- # Advanced Fraud Detection for African FinTechs A real-time, AI-powered fraud detection and trust-scoring engine built on top of an integrated payment backend. Hybrid-Temporal-Graph-Transformer uses a Hybrid Temporal Graph Transformer (TGT) architecture — an ensemble of five specialized deep learning models — to detect, score, and intercept fraudulent transactions before settlement. --- ## 📌 Table of Contents - Problem Statement - Solution Overview - Architecture - Core Models - System Integration - Decision Engine - Adaptive Learning - Tech Stack - Payment Backend Integration - Getting Started - Project Structure - Low-Data Strategies - Compliance & Explainability --- ## 🚨 Problem Statement Africa's FinTech ecosystem is under siege from fraud that existing systems were never built to catch. Nigerian FinTechs face a uniquely dangerous combination of: - **SIM Swap Fraud** — criminals hijack mobile numbers to bypass authentication and authorize transfers - **Synthetic/Identity KYC Fraud** — AI-generated or forged documents used to open fraudulent accounts - **Social Engineering (Vishing/Smishing)** — victims manipulated into authorizing transfers to mule accounts - **Payment Injection** — unauthorized transaction requests injected directly into the API layer - **Coordinated Fraud Rings** — networks of linked accounts operating as money laundering infrastructure Classical rule-based systems and standard ML models (Random Forest, Logistic Regression) fail here because fraud in Africa is **relational, behavioral, and adaptive** — it mutates faster than static models can respond. Every verification failure has a real cost: real people lose money, real businesses lose trust, and financial inclusion gets pushed further out of reach. --- ## 💡 Solution Overview This is a **Hybrid Temporal Graph Transformer (TGT)** — a real-time AI fra …