Sai Prashanth Pathi, and Jahnavi Swetha Pothineni. “Interpretable AI in Credit Scoring: A Comparative Survey of SHAP, LIME, and Hybrid Approaches”. The American Journal of Engineering and Technology 7, no. 11 (November 29, 2025): 151–155. Accessed January 26, 2026. https://www.theamericanjournals.com/index.php/tajet/article/view/6983.