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), pp. 79–100. doi:10.63397/ISCSITR-IJSRAIML_06_02_008.