Santhosh Kumar Sagar Nagaraj. (2025). AI-Enabled Multi-Criteria Credit Decision Systems for Regulatory Compliance. ISCSITR - INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING (ISCSITR-IJSRAIML) ISSN (Online): 3067-753X, 6(2), 79-100. https://doi.org/10.63397/ISCSITR-IJSRAIML_06_02_008