Machine learning and deep learning were used to explore how they affect fraud detection in Jordanian commercial banks. The study surveys numerous banking professions using descriptive analysis. The research community included 12 Jordanian commercial banks. IT, audit, risk management, banking directors, and audit and compliance professionals from Jordanian commercial banks form the research sample. SPSS analyzed 233 of 250 electronic questionnaires distributed in the surveys. The results suggest that AI technology improved fraud detection statistically. These studies show that sophisticated technology improve financial institution security and efficiency. The research shows that AI investment must be constant to keep up with rapid technological advancements to help banks battle increasingly complex fraud. It also requires continuing AI training for staff to identify fraud effectively.