Authors - Asmaul Hosna Sadika, M. M. Musharaf Hussain, Mohammad Shamsul Arefin Abstract - Credit card transaction analysis is challenged by severe class imbalance with evolving spending behavior and large-scale financial data. Many existing fraud detection approaches rely on supervised learning and assume stable fraud labels, limiting robustness under changing fraud prevalence. This study presents a large-scale, multi-year credit card trans action dataset stored in partitioned Parquet format and conducts a systematic comparison of classical machine learning, supervised deep learning, and unsupervised deep learning models for customer spend ing behavior analysis. An exploratory behavioral analysis characterizes spending heterogeneity, temporal regularities, and channel and category variations. Supervised sequence models based on LSTM and CNN ar chitectures are evaluated alongside unsupervised sequence autoencoders and hybrid detection pipelines across fraud rates ranging from 2-12%. To ensure fair evaluation under extreme imbalance, models are assessed using ranking-based metrics under fixed alert budgets, including pre cision–recall area under the curve and recall-at-K. A hybrid of Autoen coder and LSTM architectures achieves the highest performance for large systems. An integrated XAI module is introduced to derive important features providing interpretable insights.
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