M. R. Panda, M. V. . Musunuru, and A. . Sardana, “Federated Reinforcement Learning for Adaptive Fraud Behavior Analytics in Digital Banking”, J. Knowl. Learn. Sci. Technol., vol. 4, no. 3, pp. 90–96, Sep. 2025, doi: 10.60087/jklst.v4.n3.008.