“Cognitive Software Engineering for Inclusive Finance: AI-Augmented Web Application Frameworks With Secure and Ethical Cloud Intelligence”. International Journal of Advanced Research in Computer Science & Technology(IJARCST) 4, no. 6 (December 15, 2021): 5815–5818. Accessed February 11, 2026. https://ijarcst.org/index.php/ijarcst/article/view/196.