https://aifaultline.com/authors/maryam-meraj/New papers by Maryam Meraj in the AI Fault Line guide, and news naming them. https://aifaultline.com/research/p/doi-10-21098-jcli-v5i2-419/https://aifaultline.com/research/p/doi-10-21098-jcli-v5i2-419/Tue, 19 May 2026 00:00:00 +0000Using stakeholder interviews, surveys and a comparison with the EU AI Act and US sector rules, this study finds gaps in accountability, transparency and enforcement in India's governance of AI in finance, especially for credit scoring. It proposes a hybrid model: binding rules for high-risk systems and co-regulation for low-risk tools.