Basheer Ahamed, A. “Risk Management in BNPL Systems: Leveraging Machine Learning for Credit Scoring”. International Journal of AI, BigData, Computational and Management Studies 7, no. 3 (July 9, 2026): 49–58. Accessed August 4, 2026. https://ijaibdcms.org/index.php/ijaibdcms/article/view/639.