Security Barriers to Trustworthy AI-Driven Cyber Threat Intelligence in Finance: Evidence from Practitioners

Emir Karaosman; Advije Rizvani; Irdin Pekaric

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arXiv · 2603.23304

Security Barriers to Trustworthy AI-Driven Cyber Threat Intelligence in Finance: Evidence from Practitioners

Emir Karaosman·Advije Rizvani·Irdin Pekaric

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Abstract

Financial institutions face increasing cyber risk while operating under strict regulatory oversight. To manage this risk, they rely heavily on Cyber Threat Intelligence (CTI) to inform detection, response, and strategic security decisions. Artificial intelligence (AI) is widely suggested as a means to strengthen CTI. However, evidence of trustworthy production use in finance remains limited. Adoption depends not only on predictive performance, but also on governance, integration into security workflows and analyst trust. Thus, we examine how AI is used for CTI in practice within financial institutions and what barriers prevent trustworthy deployment. We report a mixed-methods, user-centric study combining a CTI-finance-focused systematic literature review, semi-structured interviews, and an exploratory survey. Our review screened 330 publications (2019-2025) and retained 12 finance-relevant studies for analysis; we further conducted six interviews and collected 14 survey responses from banks and consultancies. Across research and practice, we identify four recurrent socio-technical failure modes that hinder trustworthy AI-driven CTI: (i) shadow use of public AI tools outside institutional controls, (ii) license-first enablement without operational integration, (iii) attacker-perception gaps that limit adversarial threat modeling, and (iv) missing security for the AI models themselves, including limited monitoring, robustness evaluation and audit-ready evidence. Survey results provide additional insights: 71.4% of respondents expect AI to become central within five years, 57.1% report infrequent current use due to interpretability and assurance concerns and 28.6% report direct encounters with adversarial risks. Based on these findings, we derive three security-oriented operational safeguards for AI-enabled CTI deployments.

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Emir Karaosman, Advije Rizvani, Irdin Pekaric. 2026-03-24. Security Barriers to Trustworthy AI-Driven Cyber Threat Intelligence in Finance: Evidence from Practitioners. https://arxiv.org/abs/2603.23304

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