Dhaval Chandarana, & Hitesh Nimbark. (2026). Threshold-Calibrated XGBoost with TreeSHAP Explainability for Fraud Detection in Peer-to-Peer Digital Payments. International Journal of Computer Information Systems and Industrial Management Applications, 18(13s), 169–191. https://doi.org/10.70917/ijcisim-2026-4041