Amebleh, Jennifer, and Onum Friday Okoh. 2023. “Explainable Risk Controls for Digital Health Payments: SHAP-Constrained Gradient Boosting With Policy-Based Access, Audit Trails, and Chargeback Mitigation”. International Journal of Scientific Research and Modern Technology 2 (4). India:13-28. https://doi.org/10.38124/ijsrmt.v2i4.746.