Explainable Feature Attribution and Temporal Credit Scoring: AI-Enhanced Models for Borrower Credit Risk Assessment. Journal of Artificial Intelligence & Research, Ahmedabad, India, v. 5, n. 2, p. 1–10, 2025. Disponível em: https://www.thesciencebrigade.com/JAIR/article/view/823. Acesso em: 5 jun. 2026.