Dr. Aleksandar Petrovic. “Explainable and Ensemble-Based Machine Learning Frameworks for Credit Risk Assessment: Integrating Deep Learning, Alternative Data, and Interpretability in Modern Financial Decision-Making”. International Journal of Advance Scientific Research 5, no. 09 (September 30, 2025): 124–130. Accessed March 5, 2026. https://sciencebring.com/index.php/ijasr/article/view/1061.