“Explainable Credit Decision Engines: Machine Learning Architectures for Automated Loan Origination and Approval”, Blockchain Tech. & Distributed Sys., vol. 4, no. 1, pp. 66–73, Jun. 2024, Accessed: Jun. 05, 2026. [Online]. Available: https://www.thesciencebrigade.com/btds/article/view/847