Ugli, Otamirzaev Muzaffar Bakhodir, and Sayfiddinov Izzatullakhon Bahodirkhon Ugli. “A Hybrid Explainable AI Approach for Enhanced Credit Risk Evaluation in Financial Services”. International Academic Journal of Science and Engineering 12, no. 4 (December 30, 2025): 88–96. Accessed September 25, 2026. https://iaiest.com/iaj/index.php/IAJSE/article/view/IAJSE1240.