“Artificial Intelligence–Driven Credit Scoring and Real-Time Risk Analytics in Digital Lending Platforms: Theoretical Foundations, Regulatory Tensions, and Financial Inclusion Implications ”, sqrd, vol. 5, no. 10, pp. 183–191, Oct. 2025, Accessed: Feb. 04, 2026. [Online]. Available: https://sciencebring.org/index.php/sqrd/article/view/64