MD ZAFOR IKBAL. Development of a Human–AI Decision Intelligence Framework for Fraud Detection, Risk Analytics, and Operational Resilience in U.S. Digital Banking. American Journal of Data Science and Analytics, [S. l.], v. 7, n. 06, p. 590–639, 2026. DOI: 10.63125/7mhkzj22. Disponível em: https://ajdsa-journal.org/index.php/ajdsa/article/view/90. Acesso em: 21 sep. 2026.