(1)
Aashish Mishra; Sanjida Nowshin Mou; Jannat Ara; Malay Sarkar. Regulatory and Ethical Challenges in AI-Driven and Machine Learning Credit Risk Assessment for Buy Now, Pay Later (BNPL) in U.S. E-Commerce: Compliance, Fair Lending, and Algorithmic Bias. JBMS 2025, 7 (2), 42-51. https://doi.org/10.32996/jbms.2025.7.2.3.