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Zero-Trust Architecture Applied to a Banking System Cover
By:   
Open Access
|Oct 2026

Figures & Tables

Figure 1.

Processing an access request by ZTA-HRABAC architecture.

Figure 2.

TEF grading and decreasing subject's trust score.

Algorithm 1:

Trust Evaluating Function

Function TEF(subject)
begin
trustScore := 100;
penaltySettings := subject.databaseProfile.customPenaltyWeights;
if (subject.hasWorkingHours) then
 localTime := convertToTimeZone(context.currentTime, subject.timeZone);
  if (localTime < subject.startTime || localTime > subject.endTime) then
   if (trustScore >= penaltySettings.workingTimeScore) then
    trustScore := trustScore - penaltySettings.workingTimeScore;
   else
    trustScore := 0;
   end
  end
end
if (context.ipAddress not in subject.allowedIPAddresses) then
  if (trustScore >= penaltySettings.locationScore) then
   trustScore := trustScore - penaltySettings.locationScore;
  else
   trustScore := 0;
  end
end
 if (context.deviceIdentifier != subject.allowedDevice) then
  if (trustScore >= penaltySettings.deviceScore) then
   trustScore := trustScore - penaltySettings.deviceScore;
 else
  trustScore := 0;
 end
end
 if (context.inactivityTime > config.acceptableInactivityPeriod) then
  if (trustScore >= penaltySettings.inactivityTimeScore) then
   trustScore := trustScore - penaltySettings.inactivityTimeScore;
 else
  trustScore := 0;
 end
end
if (trustScore <= config.toleranceTrustScore) then
 context.sessionTimeout := subject.role.minSessionTimeout;
else
 context.sessionTimeout := subject.role.maxSessionTimeout;
end
if (context.activityTime >= context.sessionTimeout) then
 context.session.destroy();
end
 context.currentTrustScore := trustScore;
end.
Figure 3.

AI-Trust-HRABAC Trust Score Operational Zones, according to the example thresholds.

Figure 4.

UML activity diagram of the model AI-Trust-HRABAC.

Figure 5.

The UML class diagram of the AI-Trust-HRABAC model.

Figure 6.

The components of the proposed architecture ZTA-HRABAC.

Table 1.

Comparison of ZTA-HRABAC with Other ZTA.

Model/Param.GranularityAccess rights protectionDIABLComplexity
DR-TBACMediumOnly in relational databaseNoNoO(N)
TSBACMLowOnly in relational databaseNoNoO(N)
DSAACHighOnly in databaseNoNoO(N)
AIARBABACHighOnly in databaseNoNoO(N)
CACMHighOnly in databaseNoNoO(N)
ZTA-HRABACHighDouble – database and blockchainYesYesO(N)
Figure 7.

UML use case diagram for role Customer in the banking system.

Figure 8.

UML use case diagram for the role Employee in the banking system.

Figure 9.

UML use case diagram for the role Manager in the banking system.

Figure 10.

UML use case diagram for role Administrator in the banking system.

Figure 11.

UML sequence diagram for role Customer in the banking system.

Figure 12.

UML sequence diagram for the role Employee in the banking system.

Figure 13.

UML sequence diagram for the role Administrator in the banking system.

Figure 14.

Smart contract execution and authorization metrics in Hardhat network.

Figure 15.

Empirical proof of constant complexity in the bank system.

Table 2.

Access Control Performance Comparison.

Performance MetricManually Tuned Static WeightsDynamic AI-Calibrated Weights (Proposed)Operational Significance
False Positive Rate (FPR)0.45%0.00%Completely eliminates user friction during smooth behavioral drift.
False Negative Rate (FNR)0.00%0.00%Guarantees absolute threat interception against aggressive multi-vector attacks
Detection Latency FootprintInstant (O(1))Instant (O(1))Preserves retail transactional throughput via precomputed database weights.
Table 3.

Trust Score Analytical Classification Metrics.

Evaluation MetricMathematical DefinitionEmpirical Value (Proposed Model)Operational Security Significance
Accuracy(TP + TN)/Total100.00 %Demonstrates systemic classification reliability across balanced log traffic streams.
PrecisionTP/(TP + FP)100.00 %Guarantees that triggered alerts are genuine threats, minimizing operational friction.
Recall (Detection Rate)TP/(TP + FN)100.00%Proves absolute perimeter resilience against stealthy multi-vector attack profiles.
F1-ScoreHarmonic Mean100.00%Confirms an optimal mathematical balance between system safety and user accessibility.
Table 4.

Window Size N Sensitivity and Ablation Matrix.

Window Size (N)FPRFNRTraining and Serialization Latency (ms)Inference Evaluation Latency (ms)Operational Trade-off Evaluation
N = 105.40%0.00%0.17 ms0.0098 msHigh user friction; unstable standard deviations trigger false alerts.
N = 250.00%0.00%0.16 ms0.0093 msMarginal boundary leakage; insufficient profile maturation
N = 500.00%0.00%0.17 ms0.0103 msOptimal bound (zero-friction perimeter security).
N = 1000.00%0.00%0.16 ms0.0097 msDiminishing returns; increased memory state allocation.
N = 2500.00%0.00%0.20 ms0.0100 msSuboptimal for web infrastructure due to execution overhead.
Figure 16.

Invariant 1 TLA+ verification.

Figure 17.

Invariant 2 TLA+ verification.

Figure 18.

Invariant 3 TLA+ verification.

DOI: https://doi.org/10.2478/ias-2026-0023 | Journal eISSN: 1554-1029 | Journal ISSN: 1554-1010
Language: English
Page range: 468 - 500
Published on: Oct 27, 2026
Published by: Cerebration Science Publishing Co., Limited
In partnership with: Paradigm Publishing Services
Publication frequency: Volume open

© 2026 Maria Penelova, published by Cerebration Science Publishing Co., Limited
This work is licensed under the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 License.