Enhancing Consumers' Financial Accessibility with Blockchain-Powered Credit Scoring: A Decentralized Method for Approval of Personal Loans. - Sanjidul Alam Chowdhury; Md. Hadiur Rahman Hamim; Shohan Islam Joy; Md. Shakil Ahmed; Md. Junayed Hossain; Ashraful Islam; Sanzar Adnan Alam (BCCA, 2025)