Decentralized Banking Network for Secure Predictive Assessment and Cross-Entity Knowledge Sharing
DOI:
https://doi.org/10.37547/ijasr-06-07-04Keywords:
Decentralized banking, blockchain, predictive assessment, distributed ledger technologyAbstract
The rapid transformation of financial systems requires secure and intelligent architectures capable of supporting predictive analysis, decentralized operations, and collaborative knowledge exchange. Traditional banking infrastructures often depend on centralized data management, creating challenges related to privacy risks, limited interoperability, and restricted cross-entity collaboration. This research proposes a Decentralized Banking Network (DBN) designed to integrate blockchain-based distributed systems, predictive assessment mechanisms, and secure knowledge-sharing capabilities.
The proposed framework enables financial institutions to collaboratively analyse data while maintaining ownership and confidentiality of sensitive information. The architecture combines distributed ledger technology, intelligent prediction models, and decentralized governance mechanisms to improve financial decision-making. Blockchain concepts provide transparency and trust among participating entities, while predictive assessment techniques support risk evaluation, fraud detection, and strategic planning.
The theoretical foundation of this research is derived from distributed ledger systems, decentralized control, and federated financial intelligence. Distributed ledger technology provides mechanisms for secure and transparent transactions across independent participants (Sunyaev and Sunyaev, 2020). Recent developments in federated financial ecosystems demonstrate the potential of decentralized analytics for improving risk assessment while maintaining data sovereignty (Arifin Shawn et al., 2025).
The proposed network highlights how decentralized banking models can improve security, collaboration, and predictive accuracy. However, challenges related to scalability, regulatory compliance, computational complexity, and governance remain significant considerations. This research provides a conceptual framework for future banking ecosystems where institutions can achieve secure knowledge sharing without compromising confidential financial information.
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Copyright (c) 2026 Dr. Alicia Bennett
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