An Ensemble Learning Framework with Metaheuristic Optimization for Credit Card Fraud Detection

Abstract: Credit card fraud detection is a major challenge in the financial system due to the characteristics of highly unbalanced data. This study proposes an ensemble learning approach combined with hyperparameter optimization using a Genetic Algorithm to improve the performance of fraud transaction detection. The results of the experiment showed that Random Forest achieved the best performance with a perfect Recall of 1.00 and an F1-Score of 0.903, outperforming the Stacking and Bagging models. Although the optimization significantly increases the training time, this method manages to accelerate the inference time to 0.0290 seconds, making it very feasible to apply to real-time banking security systems that require instant validation. This study confirms the effectiveness of integrating ensemble learning and metaheuristic optimization in dealing with the problem of unbalanced data.

Agung Nugroho, Muhtajuddin Danny and Ismasari Nawangsih. “An Ensemble Learning Framework with Metaheuristic Optimization for Credit Card Fraud Detection”. International Journal of Advanced Computer Science and Applications (IJACSA) 17.2 (2026). http://dx.doi.org/10.14569/IJACSA.2026.0170218

@article{Nugroho2026,
title = {An Ensemble Learning Framework with Metaheuristic Optimization for Credit Card Fraud Detection},
journal = {International Journal of Advanced Computer Science and Applications},
doi = {10.14569/IJACSA.2026.0170218},
url = {http://dx.doi.org/10.14569/IJACSA.2026.0170218},
year = {2026},
publisher = {The Science and Information Organization},
volume = {17},
number = {2},
author = {Agung Nugroho and Muhtajuddin Danny and Ismasari Nawangsih}
}