Ramchander Malkoochi. “AI-Powered Fraud Risk Scoring for Buy Now, Pay Later (BNPL) Platforms”. Journal of Computer Science and Technology Studies 7, no. 4 (May 16, 2025): 500–506. Accessed March 21, 2026. https://al-kindipublishers.org/index.php/jcsts/article/view/9568.