Predictive model leveraging generative ai-based retrieval augmented fine-tuning authentication - enhanced authentication for international banking transactions

A method for dynamically selecting a pathway for a user to be electronically authenticated to enable performance of an electronic transaction with a third party, the method comprising:

• in response to the user initiating the electronic transaction, automatically detecting, by a generative AI engine in real time, a plurality of electronic devices of the user that are registered to, and accessible and activatable by the user, and detecting a plurality of authentication methods that are usable at one or more of the plurality of electronic devices;
• selecting, by the generative AI engine in real time, an electronic device from the plurality of electronic devices to be used for authentication;
• selecting, by the generative AI engine in real time, an authentication method to be used at the selected electronic device by the user from one or more of the plurality of authentication methods that are usable at the selected electronic device;
• requesting, by a processor, electronic authentication of the user using the selected electronic device and the selected authorization method that has been selected by the generative AI engine and presented to the user on the selected electronic device;
• and
• authorizing, by the processor, the electronic transaction to be performed upon successful user authentication;
• wherein the generative AI engine is configured to select the electronic device and the authentication method to be performed on the electronic device based on:
• a retrieval-augmented fine-tuning model that is trained on historical electronic transactions of the user and security protocols for which the plurality of the electronic devices are configured;
• and
• a plurality of contextual factors including a current location of the user and device capabilities of the plurality of electronic devices.