The study aims to mediate the relationship between cybersecurity (CS) and cloud accounting (CA) in banking through artificial intelligence (AI) and digital twins (DTA). It uses SmartPLS4 to model structural equations by analyzing 220 responses. The results indicate that artificial intelligence has a significant and positive impact on the adoption of cloud-based accounting systems, which in turn means that greater use of artificial intelligence technologies increases the use of cloud accounting. Cybersecurity has been found to significantly impact artificial intelligence, suggesting that a strong cybersecurity base has contributed to the more effective use of AI tools in banking. Cybersecurity also directly impacts cloud accounting, demonstrating how robust cybersecurity protocols contribute to the seamless implementation of cloud accounting. Cybersecurity also has a strong impact on the adoption of digital twins and enhances cloud accounting. The research also confirms the mediating roles of AI and digital twins, meaning that the indirect impacts of cybersecurity on cloud accounting through AI and digital twins are significantly positive. The results of these findings will also provide a deeper understanding of cybersecurity affecting the adaptation of embedded technologies and how artificial intelligence and digital twins are enabling cloud accounting in the banking industry.