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), pp. 1649–1663. doi: 10.70917/ijcisim-2026-5720.