Vamshi Krishna Dassaraju. (2026). Real-Time Credit Risk Decisioning at Checkout for Short-Term Installment Products: Feature Availability Constraints, Adverse Action Explainability, and Portfolio Loss Monitoring. International Journal of Computer Information Systems and Industrial Management Applications, 18(23s), 1649–1663. https://doi.org/10.70917/ijcisim-2026-5720