“The Application of Hidden Markov Model in Credit Card Fraud Detection System ” (2022) iJournals:International Journal of Software & Hardware Research in Engineering ISSN:2347-4890, 10(2). पर उपलब्ध: https://ijournals.in/journal/index.php/ijshre/article/view/85 (अंतिम उपयोग: 22 अक्टूबर 2026).