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B. Pandey

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Review Open access Aug 2026

Explainable Machine Learning for Credit Risk Management and Intelligent Lending Decisions in Nepalese Cooperative Banks: A Mathematical Review

It is argued that predictive accuracy and regulatory transparency are not competing objectives but complementary necessities for institutional survival in Nepal’s cooperative sector.

S. K. Sahani, Tsair-Fwu Lee, Digvijay Pandey et al. · 0 citations