Dhaval Chandarana, and Hitesh Nimbark. “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, vol. 18, no. 13s, July 2026, pp. 169-91, doi:10.70917/ijcisim-2026-4041.