Imran Hossain Rasel, Md Nurul Huda Razib, Muhaimin Ul Zadid. Explainable AI for Institutional Fraud Decisions: A Cross-Sector Empirical Study Using Public Healthcare and Financial Transaction Data. JCSTS. 2026;8(1):97-106. doi:10.32996/jcsts.2025.8.1.7