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. Journal of Business and Management Studies, [S. l.], v. 7, n. 2, p. 42–51, 2025. DOI: 10.32996/jbms.2025.7.2.3. Disponível em: https://al-kindipublishers.org/index.php/jbms/article/view/8945. Acesso em: 19 jun. 2025.