UGLI, Otamirzaev Muzaffar Bakhodir; UGLI, Sayfiddinov Izzatullakhon Bahodirkhon. A Hybrid Explainable AI Approach for Enhanced Credit Risk Evaluation in Financial Services. International Academic Journal of Science and Engineering, [S. l.], v. 12, n. 4, p. 88–96, 2025. DOI: 10.71086/IAJSE/V12I4/IAJSE1240. Disponível em: https://iaiest.com/iaj/index.php/IAJSE/article/view/IAJSE1240. Acesso em: 24 sep. 2026.