Background and Aims: This research seeks to provide a criminological analysis of banking cyber crimes specifically ransomware and AI-driven attacks while comparatively examining the strategic frameworks of the United Nations and the European Union in mitigating these threats through the lenses of etiology and situational prevention..

Materials and Methods: This research is theoretical and has been compiled using a descriptive-analytical method and library tools.

Ethical considerations: In all stages of writing this research, honesty and trustworthiness have been observed, while respecting the originality of the texts.

Findings: The findings reveal that the United Nations adheres to a normative and social-preventive framework, with a primary emphasis on mitigating the digital divide and enhancing technical capacities. In contrast, the European Union employs a technocratic and operational paradigm, prioritizing situational prevention and the technical standardization of banking infrastructures.

Conclusion: The study concludes that the misalignment and lack of coherence between these global and regional frameworks have fostered regulatory lacunae and the proliferation of "cyber havens." Perpetrators leverage such discrepancies to sustain their illicit operations, thereby highlighting the urgent imperative for a transition toward a convergent and integrated global strategy.