“Algorithmic Lending Decisions: Understanding Fairness, Explainability, and Consumer Trust”. International Journal of Research Publications in Engineering, Technology and Management (IJRPETM) 8, no. 6 (November 10, 2025): 13512–13534. Accessed November 8, 2026. https://ijrpetm.com/index.php/IJRPETM/article/view/736.