{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,7,24]],"date-time":"2026-07-24T20:18:56Z","timestamp":1784924336606,"version":"3.55.0"},"reference-count":99,"publisher":"Elsevier BV","license":[{"start":{"date-parts":[[2026,12,1]],"date-time":"2026-12-01T00:00:00Z","timestamp":1796083200000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.elsevier.com\/tdm\/userlicense\/1.0\/"},{"start":{"date-parts":[[2026,12,1]],"date-time":"2026-12-01T00:00:00Z","timestamp":1796083200000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.elsevier.com\/legal\/tdmrep-license"},{"start":{"date-parts":[[2026,12,1]],"date-time":"2026-12-01T00:00:00Z","timestamp":1796083200000},"content-version":"stm-asf","delay-in-days":0,"URL":"https:\/\/doi.org\/10.15223\/policy-017"},{"start":{"date-parts":[[2026,12,1]],"date-time":"2026-12-01T00:00:00Z","timestamp":1796083200000},"content-version":"stm-asf","delay-in-days":0,"URL":"https:\/\/doi.org\/10.15223\/policy-037"},{"start":{"date-parts":[[2026,12,1]],"date-time":"2026-12-01T00:00:00Z","timestamp":1796083200000},"content-version":"stm-asf","delay-in-days":0,"URL":"https:\/\/doi.org\/10.15223\/policy-012"},{"start":{"date-parts":[[2026,12,1]],"date-time":"2026-12-01T00:00:00Z","timestamp":1796083200000},"content-version":"stm-asf","delay-in-days":0,"URL":"https:\/\/doi.org\/10.15223\/policy-029"},{"start":{"date-parts":[[2026,12,1]],"date-time":"2026-12-01T00:00:00Z","timestamp":1796083200000},"content-version":"stm-asf","delay-in-days":0,"URL":"https:\/\/doi.org\/10.15223\/policy-004"}],"funder":[{"DOI":"10.13039\/501100004692","name":"University of Science Ho Chi Minh City","doi-asserted-by":"publisher","id":[{"id":"10.13039\/501100004692","id-type":"DOI","asserted-by":"publisher"}]}],"content-domain":{"domain":["elsevier.com","sciencedirect.com"],"crossmark-restriction":true},"short-container-title":["Information Systems"],"published-print":{"date-parts":[[2026,12]]},"DOI":"10.1016\/j.is.2026.102777","type":"journal-article","created":{"date-parts":[[2026,7,18]],"date-time":"2026-07-18T06:28:58Z","timestamp":1784356138000},"page":"102777","update-policy":"https:\/\/doi.org\/10.1016\/elsevier_cm_policy","source":"Crossref","is-referenced-by-count":0,"special_numbering":"C","title":["Privacy-preserving computation in financial systems: A systematic survey and quantitative analysis"],"prefix":"10.1016","volume":"142","author":[{"ORCID":"https:\/\/orcid.org\/0009-0006-8492-2855","authenticated-orcid":false,"given":"Trung","family":"Nguyen-Nam","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-3199-6333","authenticated-orcid":false,"given":"Phat T.","family":"Tran-Truong","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0001-9152-6208","authenticated-orcid":false,"given":"Phien","family":"Nguyen-Ngoc","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-5336-0566","authenticated-orcid":false,"given":"Ha X.","family":"Son","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Trung H.T.","family":"Phan","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Tien Thuan","family":"Nguyen","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Khoa H.","family":"Le","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Chan G.","family":"Nguyen","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"78","reference":[{"key":"10.1016\/j.is.2026.102777_b1","series-title":"Money laundering","author":"United Nations Office on Drugs and Crime","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b2","series-title":"Regulation (EU) 2016\/679 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (General Data Protection Regulation)","first-page":"1","author":"European Parliament and Council","year":"2016"},{"key":"10.1016\/j.is.2026.102777_b3","first-page":"35","article-title":"Directive (EU) 2015\/2366 on payment services in the internal market, amending Directives 2002\/65\/EC, 2009\/110\/EC and 2013\/36\/EU and Regulation (EU) No 1093\/2010, and repealing Directive 2007\/64\/EC (PSD2)","volume":"L 337","author":"European Parliament and Council","year":"2015","journal-title":"Off. J. Eur. Union"},{"key":"10.1016\/j.is.2026.102777_b4","series-title":"California consumer privacy act of 2018","author":"California State Legislature","year":"2018"},{"key":"10.1016\/j.is.2026.102777_b5","series-title":"Cyber Risk: A Growing Concern for Macrofinancial Stability","author":"Natalucci","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b6","series-title":"A Fully Homomorphic Encryption Scheme","author":"Gentry","year":"2009"},{"key":"10.1016\/j.is.2026.102777_b7","series-title":"Proceedings of the 27th Annual Symposium on Foundations of Computer Science","first-page":"162","article-title":"How to generate and exchange secrets","author":"Yao","year":"1986"},{"issue":"1","key":"10.1016\/j.is.2026.102777_b8","doi-asserted-by":"crossref","first-page":"186","DOI":"10.1137\/0218012","article-title":"The knowledge complexity of interactive proof systems","volume":"18","author":"Goldwasser","year":"1989","journal-title":"SIAM J. Comput."},{"key":"10.1016\/j.is.2026.102777_b9","series-title":"Proceedings of the 33rd International Colloquium on Automata, Languages and Programming","first-page":"1","article-title":"Differential privacy","volume":"vol. 4052","author":"Dwork","year":"2006"},{"key":"10.1016\/j.is.2026.102777_b10","first-page":"1273","article-title":"Communication-Efficient Learning of Deep Networks from Decentralized Data","volume":"vol. 54","author":"McMahan","year":"2017"},{"issue":"9","key":"10.1016\/j.is.2026.102777_b11","doi-asserted-by":"crossref","first-page":"5482","DOI":"10.1287\/mnsc.2022.4582","article-title":"Privacy-preserving network analytics","volume":"69","author":"Hastings","year":"2023","journal-title":"Manag. Sci."},{"key":"10.1016\/j.is.2026.102777_b12","first-page":"01066","article-title":"Privacy-preserving federated learning in healthcare, E-commerce, and finance: A taxonomy of security threats and mitigation strategies","volume":"vol. 328","author":"Kumar","year":"2025"},{"key":"10.1016\/j.is.2026.102777_b13","series-title":"2023 62nd IEEE Conference on Decision and Control","first-page":"4229","article-title":"Responsible and effective federated learning in financial services: A comprehensive survey","author":"Shi","year":"2023"},{"key":"10.1016\/j.is.2026.102777_b14","article-title":"Sok: Privacy-enhancing technologies in finance","author":"Baum","year":"2023","journal-title":"Cryptol. EPrint Arch."},{"key":"10.1016\/j.is.2026.102777_b15","article-title":"A review of federated learning approaches for predictive modeling and confidential data analysis in lending and borrowing behavior across decentralized financial networks","author":"Abiodun","year":"2025","journal-title":"Financ. Account. Res. J. X (3)"},{"key":"10.1016\/j.is.2026.102777_b16","doi-asserted-by":"crossref","first-page":"102219","DOI":"10.1109\/ACCESS.2024.3429205","article-title":"Secure and scalable blockchain-based federated learning for cryptocurrency fraud detection: A systematic review","volume":"12","author":"Ahmed","year":"2024","journal-title":"IEEE Access"},{"issue":"6","key":"10.1016\/j.is.2026.102777_b17","doi-asserted-by":"crossref","first-page":"1233","DOI":"10.1007\/s10207-022-00607-5","article-title":"A systematic overview on methods to protect sensitive data provided for various analyses","volume":"21","author":"Templ","year":"2022","journal-title":"Int. J. Inf. Secur."},{"key":"10.1016\/j.is.2026.102777_b18","series-title":"2019 IEEE\/ACS 16th International Conference on Computer Systems and Applications","first-page":"1","article-title":"A look into privacy-preserving blockchains","author":"Khan","year":"2019"},{"key":"10.1016\/j.is.2026.102777_b19","series-title":"A review of lightweight multi-party computation and federated learning in financial systems","author":"Thomas","year":"2025"},{"issue":"3\u20134","key":"10.1016\/j.is.2026.102777_b20","first-page":"1","article-title":"Toward responsible ai: An overview of federated learning for user-centered privacy-preserving computing","volume":"11","author":"Yang","year":"2021","journal-title":"ACM Trans. Interact. Intell. Syst. (TiiS)"},{"key":"10.1016\/j.is.2026.102777_b21","series-title":"2023 IEEE International Carnahan Conference on Security Technology","first-page":"1","article-title":"Scalable federated learning for privacy-preserving credit card fraud detection","author":"D\u2019souza","year":"2023"},{"issue":"4","key":"10.1016\/j.is.2026.102777_b22","first-page":"877","article-title":"Privacy-preserving risk prediction and sensitive data detection in FinTech platforms: A hybrid approach for secure and intelligent early warning","volume":"14","author":"Ju","year":"2025","journal-title":"J. Cyber Secur. Mobil."},{"key":"10.1016\/j.is.2026.102777_b23","series-title":"2025 3rd International Conference on Sustainable Computing and Data Communication Systems","first-page":"353","article-title":"Privacy-preserving AI for financial fraud detection: A federated learning approach with homomorphic encryption","author":"Wanza","year":"2025"},{"issue":"1","key":"10.1016\/j.is.2026.102777_b24","first-page":"215","article-title":"Federated learning for privacy-preserving fraud detection in digital banking: balancing algorithmic performance, privacy, and regulatory compliance","volume":"9","author":"Umakor","year":"2025","journal-title":"Iconic Res. Eng. J."},{"key":"10.1016\/j.is.2026.102777_b25","series-title":"Lancelot: Towards efficient and privacy-preserving Byzantine-robust federated learning within fully homomorphic encryption","author":"Jiang","year":"2024"},{"issue":"3","key":"10.1016\/j.is.2026.102777_b26","doi-asserted-by":"crossref","first-page":"2619","DOI":"10.1007\/s10614-024-10731-0","article-title":"PPDNN-CRP: CKKS-FHE enabled privacy-preserving deep neural network processing for credit risk prediction","volume":"66","author":"Naresh","year":"2025","journal-title":"Comput. Econ."},{"key":"10.1016\/j.is.2026.102777_b27","doi-asserted-by":"crossref","DOI":"10.1016\/j.eswa.2025.128136","article-title":"FinQuaXBot: enhancing trust and security in personalized investment and tax forecasting using homomorphic encryption and meta-reinforcement learning with explainability","author":"Jency","year":"2025","journal-title":"Expert Syst. Appl."},{"key":"10.1016\/j.is.2026.102777_b28","series-title":"Privacy-preserving credit card approval using homomorphic SVM: Toward secure inference in FinTech applications","author":"Ghaleb","year":"2025"},{"key":"10.1016\/j.is.2026.102777_b29","series-title":"International Conference on Security, Privacy, and Applied Cryptography Engineering","first-page":"80","article-title":"Privacy-preserving graph-based machine learning with fully homomorphic encryption for collaborative anti-money laundering","author":"Effendi","year":"2024"},{"issue":"3","key":"10.1016\/j.is.2026.102777_b30","doi-asserted-by":"crossref","first-page":"65","DOI":"10.1257\/aer.102.3.65","article-title":"Privacy-preserving methods for sharing financial risk exposures","volume":"102","author":"Abbe","year":"2012","journal-title":"Am. Econ. Rev."},{"key":"10.1016\/j.is.2026.102777_b31","series-title":"International Conference on Financial Cryptography and Data Security","first-page":"331","article-title":"Privacy-preserving anti-money laundering using secure multi-party computation","author":"van Egmond","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b32","doi-asserted-by":"crossref","first-page":"342","DOI":"10.23939\/mmc2025.01.342","article-title":"Zero-knowledge proof framework for privacy-preserving financial compliance","volume":"12","author":"Solomka","year":"2025","journal-title":"Math. Model. Comput."},{"key":"10.1016\/j.is.2026.102777_b33","series-title":"2024 6th International Conference on Machine Learning, Big Data and Business Intelligence","first-page":"185","article-title":"Research on financial transaction data protection and intelligent risk assessment based on differential privacy","author":"Fei","year":"2024"},{"issue":"8","key":"10.1016\/j.is.2026.102777_b34","doi-asserted-by":"crossref","first-page":"534","DOI":"10.1007\/s10586-025-05609-1","article-title":"Differential privacy-enabled federated learning for secure neural synchronization in protecting industrial data streams","volume":"28","author":"Niu","year":"2025","journal-title":"Clust. Comput."},{"key":"10.1016\/j.is.2026.102777_b35","series-title":"Enhancing data privacy in federated learning: A cryptographic perspective","author":"Chen","year":"2025"},{"key":"10.1016\/j.is.2026.102777_b36","series-title":"The International Conference on Artificial Intelligence and Smart Environment","first-page":"255","article-title":"Enhancing financial decision-making with explainable artificial intelligence: A case study in credit risk assessment","author":"Ikermane","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b37","series-title":"DPFedBank: Crafting a privacy-preserving federated learning framework for financial institutions with policy pillars","author":"He","year":"2024"},{"issue":"6","key":"10.1016\/j.is.2026.102777_b38","doi-asserted-by":"crossref","first-page":"586","DOI":"10.1007\/s42979-025-04112-z","article-title":"A privacy-preserving federated learning model for money laundering detection","volume":"6","author":"Nguyen","year":"2025","journal-title":"SN Comput. Sci."},{"key":"10.1016\/j.is.2026.102777_b39","first-page":"789","article-title":"Privacy-preserving federated learning for detecting fraudulent financial transactions in japanese banks","volume":"30","author":"Kanamori","year":"2022","journal-title":"J. Inf. Process."},{"key":"10.1016\/j.is.2026.102777_b40","doi-asserted-by":"crossref","unstructured":"G. Asharov, T. Balch, A. Polychroniadou, Privacy-preserving portfolio pricing, in: Proceedings of the Second ACM International Conference on AI in Finance, 2021, pp. 1\u20138.","DOI":"10.1145\/3490354.3494400"},{"key":"10.1016\/j.is.2026.102777_b41","doi-asserted-by":"crossref","DOI":"10.1016\/j.future.2025.107901","article-title":"Advancing financial privacy: A novel integrative approach for privacy-preserving optimal portfolio","volume":"174","author":"Ko","year":"2026","journal-title":"Future Gener. Comput. Syst."},{"key":"10.1016\/j.is.2026.102777_b42","doi-asserted-by":"crossref","DOI":"10.1017\/dap.2022.23","article-title":"Know your customer: Balancing innovation and regulation for financial inclusion","volume":"4","author":"Elliott","year":"2022","journal-title":"Data Policy"},{"key":"10.1016\/j.is.2026.102777_b43","series-title":"2025 IEEE International Conference on Blockchain and Cryptocurrency","first-page":"1","article-title":"Zero-knowledge proofs in anti-money laundering multiparty computation","author":"Femiak","year":"2025"},{"issue":"1","key":"10.1016\/j.is.2026.102777_b44","article-title":"Data obfuscation through latent space projection for privacy-preserving AI governance: Case studies in medical diagnosis and finance fraud detection","volume":"6","author":"Krishnamoorthy","year":"2025","journal-title":"JMIRx Med"},{"key":"10.1016\/j.is.2026.102777_b45","doi-asserted-by":"crossref","unstructured":"M. Schreyer, T. Sattarov, D. Borth, Federated and privacy-preserving learning of accounting data in financial statement audits, in: Proceedings of the Third ACM International Conference on AI in Finance, 2022, pp. 105\u2013113.","DOI":"10.1145\/3533271.3561674"},{"key":"10.1016\/j.is.2026.102777_b46","doi-asserted-by":"crossref","first-page":"n71","DOI":"10.1136\/bmj.n71","article-title":"The PRISMA 2020 statement: an updated guideline for reporting systematic reviews","volume":"372","author":"Page","year":"2021","journal-title":"BMJ"},{"key":"10.1016\/j.is.2026.102777_b47","series-title":"AML Data: Synthetic anti-money laundering transaction datasets","author":"IBM","year":"2023"},{"key":"10.1016\/j.is.2026.102777_b48","series-title":"2024 IEEE Symposium on Computational Intelligence for Financial Engineering and Economics","first-page":"1","article-title":"Fed-RD: Privacy-preserving federated learning for financial crime detection","author":"Khan","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b49","series-title":"A privacy-preserving hybrid federated learning framework for financial crime detection","author":"Zhang","year":"2023"},{"key":"10.1016\/j.is.2026.102777_b50","series-title":"Starlit: Privacy-preserving federated learning to enhance financial fraud detection","author":"Abadi","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b51","series-title":"2024 International Conference on Circuit, Systems and Communication","first-page":"1","article-title":"Federated learning for credit card fraud detection: Key fundamentals and emerging trends","author":"El Hallal","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b52","article-title":"PrivaRisk: Verifiable and auditable OPRF-based PSI for financial data sharing","volume":"92","author":"Lei","year":"2025","journal-title":"J. Inf. Secur. Appl."},{"issue":"3","key":"10.1016\/j.is.2026.102777_b53","doi-asserted-by":"crossref","first-page":"238","DOI":"10.63125\/ry033286","article-title":"Federated learning models for privacy-preserving AI in enterprise decision systems","volume":"5","author":"Hasan","year":"2025","journal-title":"Int. J. Bus. Econ. Insights"},{"issue":"1","key":"10.1016\/j.is.2026.102777_b54","doi-asserted-by":"crossref","first-page":"27","DOI":"10.64137\/31079458\/IJCSEI-V1I1P104","article-title":"Federated learning architectures for privacy-preserving collaborative intelligence in distributed networks","volume":"1","author":"Sinthiya","year":"2025","journal-title":"Int. J. Comput. Sci. Eng. Innov."},{"issue":"8","key":"10.1016\/j.is.2026.102777_b55","first-page":"98","article-title":"Federated learning for privacy-preserving cybersecurity applications","volume":"1","author":"Camila","year":"2024","journal-title":"Am. J. Technol. Adv."},{"key":"10.1016\/j.is.2026.102777_b56","doi-asserted-by":"crossref","unstructured":"H. Kaminaga, F.M. Awaysheh, S. Alawadi, L. Kamm, Mpcfl: Towards multi-party computation for secure federated learning aggregation, in: Proceedings of the IEEE\/ACM 16th International Conference on Utility and Cloud Computing, 2023, pp. 1\u201310.","DOI":"10.1145\/3603166.3632144"},{"issue":"3","key":"10.1016\/j.is.2026.102777_b57","doi-asserted-by":"crossref","first-page":"837","DOI":"10.1016\/j.dcan.2024.07.008","article-title":"Securevfl: privacy-preserving multi-party vertical federated learning based on blockchain and RSS","volume":"11","author":"Fan","year":"2025","journal-title":"Digit. Commun. Netw."},{"key":"10.1016\/j.is.2026.102777_b58","series-title":"Artificial Intelligence using Federated Learning","first-page":"83","article-title":"Blockchain-enhanced federated learning for privacy-preserving collaboration","author":"Whig","year":"2024"},{"issue":"2","key":"10.1016\/j.is.2026.102777_b59","doi-asserted-by":"crossref","first-page":"126","DOI":"10.1007\/s10586-024-04834-4","article-title":"Bppfl: a blockchain-based framework for privacy-preserving federated learning","volume":"28","author":"Asad","year":"2025","journal-title":"Clust. Comput."},{"key":"10.1016\/j.is.2026.102777_b60","first-page":"1051","article-title":"Neural network-driven privacy-preserving credit risk analysis: A homomorphic encryption approach","author":"Allavarpu","year":"2025","journal-title":"Contemp. Math."},{"key":"10.1016\/j.is.2026.102777_b61","series-title":"International Conference on Computational Science and its Applications","first-page":"31","article-title":"Privacy-preserving credit scoring via functional encryption","author":"Andolfo","year":"2021"},{"key":"10.1016\/j.is.2026.102777_b62","first-page":"1","article-title":"Privacy-preserving bank loan approval with federated learning: A secure and collaborative multi-institutional prediction framework: VS Naresh et al","author":"Naresh","year":"2025","journal-title":"Comput. Econ."},{"key":"10.1016\/j.is.2026.102777_b63","doi-asserted-by":"crossref","DOI":"10.1109\/ACCESS.2024.3440998","article-title":"Decision trees in federated learning: Current state and future opportunities","author":"Heiyanthuduwage","year":"2024","journal-title":"IEEE Access"},{"issue":"5","key":"10.1016\/j.is.2026.102777_b64","doi-asserted-by":"crossref","DOI":"10.1002\/cpe.4278","article-title":"Privacy-preserving smart data storage for financial industry in cloud computing","volume":"30","author":"Qiu","year":"2018","journal-title":"Concurr. Comput.: Pr. Exp."},{"issue":"3","key":"10.1016\/j.is.2026.102777_b65","doi-asserted-by":"crossref","first-page":"1223","DOI":"10.1007\/s11280-022-01090-7","article-title":"Web-based practical privacy-preserving distributed image storage for financial services in cloud computing","volume":"26","author":"Xiaohong","year":"2023","journal-title":"World Wide Web"},{"key":"10.1016\/j.is.2026.102777_b66","doi-asserted-by":"crossref","unstructured":"C. Chen, B. Wu, L. Wang, C. Chen, J. Tan, L. Wang, J. Zhou, B. Zhang, Nebula: A scalable privacy-preserving machine learning system in ant financial, in: Proceedings of the 29th ACM International Conference on Information & Knowledge Management, 2020, pp. 3369\u20133372.","DOI":"10.1145\/3340531.3417418"},{"key":"10.1016\/j.is.2026.102777_b67","doi-asserted-by":"crossref","first-page":"545","DOI":"10.1016\/j.future.2020.01.007","article-title":"Pmkt: Privacy-preserving multi-party knowledge transfer for financial market forecasting","volume":"106","author":"Ma","year":"2020","journal-title":"Future Gener. Comput. Syst."},{"issue":"1","key":"10.1016\/j.is.2026.102777_b68","doi-asserted-by":"crossref","first-page":"1592","DOI":"10.1109\/JSYST.2020.3045076","article-title":"An efficient privacy-preserving credit score system based on noninteractive zero-knowledge proof","volume":"16","author":"Lin","year":"2021","journal-title":"IEEE Syst. J."},{"key":"10.1016\/j.is.2026.102777_b69","series-title":"Privacy preserving data analytics in 5G-enabled IoT for the financial industry","author":"Lim","year":"2022"},{"key":"10.1016\/j.is.2026.102777_b70","series-title":"ICC 2021-IEEE International Conference on Communications","first-page":"1","article-title":"Privacy-preserving data sharing scheme with fl via mpc in financial permissioned blockchain","author":"Liu","year":"2021"},{"key":"10.1016\/j.is.2026.102777_b71","article-title":"Bridging data silos in finance via federated learning","author":"Chen","year":"2025","journal-title":"IEEE Netw."},{"issue":"1","key":"10.1016\/j.is.2026.102777_b72","doi-asserted-by":"crossref","first-page":"35","DOI":"10.71465\/fair230","article-title":"Privacy preserving risk modeling across financial institutions via federated learning with adaptive optimization","volume":"2","author":"Whitmore","year":"2025","journal-title":"Front. Artif. Intell. Res."},{"key":"10.1016\/j.is.2026.102777_b73","series-title":"International Conference on Web Information Systems Engineering","first-page":"286","article-title":"Privacy-preserving behavioral anomaly detection in dynamic graphs for card transactions","author":"Damoun","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b74","doi-asserted-by":"crossref","DOI":"10.1016\/j.frl.2023.103794","article-title":"A privacy-preserving mean\u2013variance optimal portfolio","volume":"54","author":"Byun","year":"2023","journal-title":"Financ. Res. Lett."},{"key":"10.1016\/j.is.2026.102777_b75","article-title":"Developing a privacy-preserving framework for machine learning in finance","author":"Bentre","year":"2024","journal-title":"ResearchGate"},{"issue":"3","key":"10.1016\/j.is.2026.102777_b76","first-page":"49","article-title":"PPFL: Privacy-preserving techniques in federated learning","volume":"1","author":"Jahani","year":"2024","journal-title":"J. Artif. Intell. Appl. Innov."},{"key":"10.1016\/j.is.2026.102777_b77","series-title":"Federated learning for agentic gen AI in financial risk management for national financial security","author":"Joshi","year":"2025"},{"key":"10.1016\/j.is.2026.102777_b78","series-title":"Federated learning and privacy-preserving AI: Safeguarding data in distributed machine learning","author":"Shah","year":"2022"},{"key":"10.1016\/j.is.2026.102777_b79","series-title":"Privacy-preserving federated learning over vertically and horizontally partitioned data for financial anomaly detection","author":"Kadhe","year":"2023"},{"issue":"5","key":"10.1016\/j.is.2026.102777_b80","doi-asserted-by":"crossref","first-page":"411","DOI":"10.1007\/s42979-025-03934-1","article-title":"Advancing federated learning: A comprehensive solution for model aggregation, heterogeneity, privacy, and security","volume":"6","author":"Bari","year":"2025","journal-title":"SN Comput. Sci."},{"key":"10.1016\/j.is.2026.102777_b81","doi-asserted-by":"crossref","DOI":"10.1016\/j.comnet.2024.110303","article-title":"Robust integration of blockchain and explainable federated learning for automated credit scoring","volume":"243","author":"Jovanovic","year":"2024","journal-title":"Comput. Netw."},{"key":"10.1016\/j.is.2026.102777_b82","doi-asserted-by":"crossref","first-page":"138151","DOI":"10.1109\/ACCESS.2023.3339750","article-title":"Efficient data collaboration using multi-party privacy preserving machine learning framework","volume":"11","author":"Salam","year":"2023","journal-title":"IEEE Access"},{"issue":"07","key":"10.1016\/j.is.2026.102777_b83","doi-asserted-by":"crossref","first-page":"227","DOI":"10.55248\/gengpi.6.0725.2595","article-title":"Federated learning in cybersecurity: privacy-preserving collaborative models for threat intelligence across geopolitically sensitive organizational boundaries","volume":"2","author":"Kalejaiye","year":"2025","journal-title":"Int. J. Adv. Res. Publ. Rev."},{"key":"10.1016\/j.is.2026.102777_b84","series-title":"2025 IEEE 14th International Conference on Communication Systems and Network Technologies","first-page":"437","article-title":"Privacy-preserving model for cyber threat intelligence, sharing across multi-organizational platforms","author":"Pandey","year":"2025"},{"key":"10.1016\/j.is.2026.102777_b85","series-title":"2024 IEEE 11th Uttar Pradesh Section International Conference on Electrical, Electronics and Computer Engineering","first-page":"1","article-title":"S-CreditRisk: A decentralized and privacy-preserving credit risk assessment framework using federated learning","author":"Kumari","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b86","series-title":"IEEE INFOCOM 2020-IEEE Conference on Computer Communications Workshops","first-page":"978","article-title":"Privacy-preserving data aggregation for big data in financial institutions","author":"Li","year":"2020"},{"key":"10.1016\/j.is.2026.102777_b87","doi-asserted-by":"crossref","DOI":"10.1016\/j.dss.2022.113910","article-title":"A privacy-preserving decentralized credit scoring method based on multi-party information","volume":"166","author":"He","year":"2023","journal-title":"Decis. Support Syst."},{"key":"10.1016\/j.is.2026.102777_b88","series-title":"2023 IEEE Intl Conf on Parallel & Distributed Processing with Applications, Big Data & Cloud Computing, Sustainable Computing & Communications, Social Computing & Networking","first-page":"545","article-title":"Application research of vertical federated learning technology in banking risk control model strategy","author":"Luo","year":"2023"},{"key":"10.1016\/j.is.2026.102777_b89","series-title":"International Conference on Ubiquitous Computing and Ambient Intelligence","first-page":"743","article-title":"A privacy-preserving federated learning framework for financial crime","author":"Haseeb","year":"2024"},{"issue":"3","key":"10.1016\/j.is.2026.102777_b90","doi-asserted-by":"crossref","first-page":"22573","DOI":"10.48084\/etasr.10266","article-title":"Advancing credit risk management in open banking with enhanced federated averaging algorithm","volume":"15","author":"Oualid","year":"2025","journal-title":"Eng. Technol. Appl. Sci. Res."},{"issue":"7","key":"10.1016\/j.is.2026.102777_b91","doi-asserted-by":"crossref","first-page":"308","DOI":"10.3390\/fi17070308","article-title":"A review of research on secure aggregation for federated learning","volume":"17","author":"Zhang","year":"2025","journal-title":"Futur. Internet"},{"key":"10.1016\/j.is.2026.102777_b92","series-title":"Synergizing foundation models and federated learning: A survey","author":"Shenghui","year":"2024"},{"key":"10.1016\/j.is.2026.102777_b93","doi-asserted-by":"crossref","DOI":"10.1109\/ACCESS.2025.3573933","article-title":"Strategies for reducing the communication and computation costs in cross-silo federated learning: A comprehensive review","author":"Pais","year":"2025","journal-title":"IEEE Access"},{"issue":"4","key":"10.1016\/j.is.2026.102777_b94","doi-asserted-by":"crossref","first-page":"159","DOI":"10.1007\/s10207-025-01074-4","article-title":"Securing financial systems through data sovereignty: a systematic review of approaches and regulations: A. Patil et al.","volume":"24","author":"Patil","year":"2025","journal-title":"Int. J. Inf. Secur."},{"key":"10.1016\/j.is.2026.102777_b95","article-title":"Privacy-preserving data-driven learning models for emerging communication networks: A comprehensive survey","author":"Fouda","year":"2024","journal-title":"IEEE Commun. Surv. Tutor."},{"key":"10.1016\/j.is.2026.102777_b96","series-title":"2024 International Conference on Advances in Computing Research on Science Engineering and Technology","first-page":"1","article-title":"Privacy preserving techniques in data science: A review","author":"Panchal","year":"2024"},{"issue":"3","key":"10.1016\/j.is.2026.102777_b97","doi-asserted-by":"crossref","first-page":"141","DOI":"10.1007\/s10207-025-01047-7","article-title":"Verifiability for privacy-preserving computing on distributed data\u2014a survey: T. Bontekoe et al.","volume":"24","author":"Bontekoe","year":"2025","journal-title":"Int. J. Inf. Secur."},{"key":"10.1016\/j.is.2026.102777_b98","doi-asserted-by":"crossref","DOI":"10.1016\/j.eswa.2025.126387","article-title":"Privacy-preserving multidimensional big data analytics models, methods and techniques: A comprehensive survey","author":"Cuzzocrea","year":"2025","journal-title":"Expert Syst. Appl."},{"key":"10.1016\/j.is.2026.102777_b99","series-title":"2025 9th International Symposium on Innovative Approaches in Smart Technologies","first-page":"1","article-title":"Post-quantum security for blockchain and healthcare data management: A review","author":"Karaduman","year":"2025"}],"container-title":["Information Systems"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/api.elsevier.com\/content\/article\/PII:S0306437926000918?httpAccept=text\/xml","content-type":"text\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/api.elsevier.com\/content\/article\/PII:S0306437926000918?httpAccept=text\/plain","content-type":"text\/plain","content-version":"vor","intended-application":"text-mining"}],"deposited":{"date-parts":[[2026,7,24]],"date-time":"2026-07-24T19:52:17Z","timestamp":1784922737000},"score":1,"resource":{"primary":{"URL":"https:\/\/linkinghub.elsevier.com\/retrieve\/pii\/S0306437926000918"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2026,12]]},"references-count":99,"alternative-id":["S0306437926000918"],"URL":"https:\/\/doi.org\/10.1016\/j.is.2026.102777","relation":{},"ISSN":["0306-4379"],"issn-type":[{"value":"0306-4379","type":"print"}],"subject":[],"published":{"date-parts":[[2026,12]]},"assertion":[{"value":"Elsevier","name":"publisher","label":"This article is maintained by"},{"value":"Privacy-preserving computation in financial systems: A systematic survey and quantitative analysis","name":"articletitle","label":"Article Title"},{"value":"Information Systems","name":"journaltitle","label":"Journal Title"},{"value":"https:\/\/doi.org\/10.1016\/j.is.2026.102777","name":"articlelink","label":"CrossRef DOI link to publisher maintained version"},{"value":"article","name":"content_type","label":"Content Type"},{"value":"\u00a9 2026 Published by Elsevier Ltd.","name":"copyright","label":"Copyright"}],"article-number":"102777"}}