Toward interpretable credit scoring: integrating explainable artificial intelligence with deep learning for credit card default prediction

Towards A Rigorous Science of Interpretable Machine Learning

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Explainable Artificial Intelligence (XAI): What we know and what is left to attain Trustworthy Artificial Intelligence

Ali, S., Abuhmed, T., El-Sappagh, S., Muhammad, K., Alonso-Moral, J. M., Confalonieri, R., Guidotti, R., Del Ser, J., Díaz-Rodríguez, N., & Herrera, F. (2023) · Information Fusion · doi:10.1016/j.inffus.2023.101805 · Cited by 1,762 · see citing works

DARPA's Explainable Artificial Intelligence Program

Gunning, D., & Aha, D. W. (2019) · AI Magazine · doi:10.1609/aimag.v40i2.2850 · Cited by 1,360 · see citing works

The comparisons of data mining techniques for the predictive accuracy of probability of default of credit card clients

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An improved fire detection approach based on YOLO-v8 for smart cities

Talaat, F. M., & ZainEldin, H. (2023) · Neural Computing and Applications · doi:10.1007/s00521-023-08809-1 · Cited by 642 · see citing works

"Why Should I Trust You?": Explaining the Predictions of Any ClassifierPreprint

Ribeiro, M. T., Singh, S., & Guestrin, C. (2016) · arXiv (Cornell University) · doi:10.48550/arxiv.1602.04938 · Cited by 587 · see citing works

Applications of Explainable Artificial Intelligence in Finance—a systematic review of Finance, Information Systems, and Computer Science literature

Weber, P., Carl, K. V., & Hinz, O. (2024) · Management Review Quarterly · doi:10.1007/s11301-023-00320-0 · Cited by 292 · see citing works

Brain Tumor Detection and Classification Using Deep Learning and Sine-Cosine Fitness Grey Wolf Optimization

ZainEldin, H. Y., Gamel, S. A., El‐kenawy, E. M., Alharbi, A. H., Khafaga, D. S., Ibrahim, A. F., & Talaat, F. M. (2022) · Bioengineering · doi:10.3390/bioengineering10010018 · Cited by 246 · see citing works

Machine learning-driven credit risk: a systemic review

Shi, S., Tse, R. T., Luo, W., d’Addona, S., & Pau, G. (2022) · Neural Computing and Applications · doi:10.1007/s00521-022-07472-2 · Cited by 203 · see citing works

Real-time facial emotion recognition system among children with autism based on deep learning and IoT

Talaat, F. M. (2023) · Neural Computing and Applications · doi:10.1007/s00521-023-08372-9 · Cited by 140 · see citing works

Crop yield prediction algorithm (CYPA) in precision agriculture based on IoT techniques and climate changes

Talaat, F. M. (2023) · Neural Computing and Applications · doi:10.1007/s00521-023-08619-5 · Cited by 120 · see citing works

Explainable AI for Credit Assessment in Banks

de Lange, P. E., Melsom, B., Vennerød, C. B., & Westgaard, S. (2022) · Journal of risk and financial management · doi:10.3390/jrfm15120556 · Cited by 107 · see citing works

Automatic stress detection in car drivers based on non-invasive physiological signals using machine learning techniques

Siam, A. I., Gamel, S. A., & Talaat, F. M. (2023) · Neural Computing and Applications · doi:10.1007/s00521-023-08428-w · Cited by 104 · see citing works

Credit Risk Analytics

Baesens, B., Rösch, D., & Scheule, H. (2016) · Wiley eBooks · doi:10.1002/9781119449560 · Cited by 93 · see citing works

International Journal of Scientific Research

Baruah, A., Das, S., Dutta, A., Das, B., Sharma, T., & Hazarika, M. (2025) · International Journal of Scientific Research · doi:10.15373/22778179 · Cited by 87 · see citing works

Effective prediction and resource allocation method (EPRAM) in fog computing environment for smart healthcare system

Talaat, F. M. (2022) · Multimedia Tools and Applications · doi:10.1007/s11042-022-12223-5 · Cited by 87 · see citing works

A review of credit scoring research in the age of Big Data

Onay, C., & Öztürk, E. (2018) · Journal of Financial Regulation and Compliance · doi:10.1108/jfrc-06-2017-0054 · Cited by 81 · see citing works

Effective deep Q-networks (EDQN) strategy for resource allocation based on optimized reinforcement learning algorithm

Talaat, F. M. (2022) · Multimedia Tools and Applications · doi:10.1007/s11042-022-13000-0 · Cited by 77 · see citing works

Video-based real-time monitoring for heart rate and respiration rate

Alnaggar, M., Siam, A. I., Handosa, M., Medhat, T., & Rashad, M. Z. (2023) · Expert Systems with Applications · doi:10.1016/j.eswa.2023.120135 · Cited by 74 · see citing works

Review: Mask R-CNN Models

Hassan, E., El-Rashidy, N. M., & Talaa, F. M. (2022) · Nile Journal of Communication and Computer Science/Nile Journal of Communication and Computer Science · doi:10.21608/njccs.2022.280047 · Cited by 67 · see citing works

Exploring the effects of pandemics on transportation through correlations and deep learning techniques

Gamel, S. A., Hassan, E., El-Rashidy, N. M., & Talaat, F. M. (2023) · Multimedia Tools and Applications · doi:10.1007/s11042-023-15803-1 · Cited by 47 · see citing works

A2M-LEUK: attention-augmented algorithm for blood cancer detection in children

Talaat, F. M., & Gamel, S. A. (2023) · Neural Computing and Applications · doi:10.1007/s00521-023-08678-8 · Cited by 39 · see citing works

Thyroid Disease Multi-class Classification based on Optimized Gradient Boosting Model

Alnaggar, M., Handosa, M., Medhat, T., & Rashad, M. Z. (2023) · Egyptian Journal of Artificial Intelligence · doi:10.21608/ejai.2023.205554.1008 · Cited by 36 · see citing works

Credit Card Fraud Detection Based on Deep Neural Network Approach

Alkhatib, K. I., Alaiad, A., Almahmoud, M. H., & Elayan, O. N. (2021) · International Conference on Information and Communication Systems (ICICS) · doi:10.1109/icics52457.2021.9464555 · Cited by 35 · see citing works

Deep Learning Based Convolutional Neural Network Structured New Image Classification Approach for Eye Disease Identification

Topaloğlu, İ. (2022) · Scientia Iranica · doi:10.24200/sci.2022.58049.5537 · Cited by 35 · see citing works

Groups make nodes powerful: Identifying influential nodes in social networks based on social conformity theory and community features

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Facial Expression Recognition Model Depending on Optimized Support Vector Machine

Alhussan, A. A., Talaat, F. M., El‐kenawy, E. M., Abdelhamid, A. A., Ibrahim, A. F., Khafaga, D. S., & Alnaggar, M. (2023) · Computers, materials & continua/Computers, materials & continua (Print) · doi:10.32604/cmc.2023.039368 · Cited by 29 · see citing works

Research on Credit Card Default Prediction Based on k-Means SMOTE and BP Neural Network

Chen, Y., & Zhang, R. (2021) · Complexity · doi:10.1155/2021/6618841 · Cited by 26 · see citing works

A New Reliable System For Managing Virtual Cloud Network

AlShathri, S. I., Talaat, F. M., & Nasr, A. A. (2022) · Computers, materials & continua/Computers, materials & continua (Print) · doi:10.32604/cmc.2022.026547 · Cited by 22 · see citing works

An IoT-based Framework for Detecting Heart Conditions using Machine Learning

Alnaggar, M., Handosa, M., Medhat, T., & Rashad, M. Z. (2023) · International Journal of Advanced Computer Science and Applications · doi:10.14569/ijacsa.2023.0140442 · Cited by 17 · see citing works

Chaotic Time Series Recognition: A Deep Learning Model Inspired by Complex Systems Characteristics

Pourafzal, A., Fereidunian, A., & Safarihamid, K. (2022) · International Journal of Engineering · doi:10.5829/ije.2023.36.01a.01 · Cited by 14 · see citing works

Forecasting the Real Estate Housing Prices Using a Novel Deep Learning Machine Model

Mohamed, H. H., Ibrahim, A. H., & Hagras, O. A. (2023) · Civil Engineering Journal · doi:10.28991/cej-sp2023-09-04 · Cited by 10 · see citing works

Explainable AI in Credit Risk ManagementPreprint

Osterrieder, J. R., Misheva, B. H., Hirsa, A., Kulkarni, O., & Lin, S. F. (2021) · University of Twente Research Information · doi:10.48550/arxiv.2103.00949 · Cited by 8 · see citing works

A Reappraisal of the Prebisch-Singer Hypothesis Using Wavelets Analysis

Fahmy, H. (2021) · Journal of risk and financial management · doi:10.3390/jrfm14070319 · Cited by 6 · see citing works

Credit Default Risk Prediction Based On Deep LearningPreprint

Gao, X., Xiong, Y., Xiong, Z., & Xiong, H. (2021) · Research Square · doi:10.21203/rs.3.rs-724813/v1 · Cited by 4 · see citing works

Recent Emerging Techniques in Explainable Artificial Intelligence to Enhance the Interpretable and Understanding of AI Models for Human

Mathew, D. E., Ebem, D. U., Ikegwu, A. C., Ukeoma, P. E., & Dibiaezue, N. F. (2025) · Neural Processing Letters · doi:10.1007/s11063-025-11732-2 · Cited by 168 · see citing works

Improved prostate cancer diagnosis using a modified ResNet50-based deep learning architecture

Talaat, F. M., El–Sappagh, S., Alnowaiser, K., & Hassan, E. (2024) · BMC Medical Informatics and Decision Making · doi:10.1186/s12911-024-02419-0 · Cited by 83 · see citing works

AI in credit scoring: A comprehensive review of models and predictive analytics

Addy, W. A., Ajayi-Nifise, A. O., Bello, B. G., Tula, S. T., Odeyemi, O., & Falaiye, T. O. (2024) · Global Journal of Engineering and Technology Advances · doi:10.30574/gjeta.2024.18.2.0029 · Cited by 72 · see citing works

Deep Learning in Finance: A Survey of Applications and Techniques

Mienye, E. D., Jere, N. R., Obaido, G., Mienye, I. D., & Aruleba, K. (2024) · AI · doi:10.3390/ai5040101 · Cited by 80 · see citing works

Transforming Financial Reporting with AI: Enhancing Accuracy and Timeliness

Antwi, B. O., Adelakun, B. O., & Eziefule, A. O. (2024) · International Journal of Advanced Economics · doi:10.51594/ijae.v6i6.1229 · Cited by 45 · see citing works

Multi‐Distance Spatial‐Temporal Graph Neural Network for Anomaly Detection in Blockchain Transactions

Chen, S., Liu, Y., Zhang, Q., Shao, Z., & Wang, Z. (2025) · Advanced Intelligent Systems · doi:10.1002/aisy.202400898 · Cited by 41 · see citing works

Effective Credit Risk Prediction Using Ensemble Classifiers With Model Explanation

Aruleba, I., & Sun, Y. (2024) · IEEE Access · doi:10.1109/access.2024.3445308 · Cited by 44 · see citing works

UAV-based multispectral image analytics and machine learning for predicting crop nitrogen in rice

Khose, S. B., & Mailapalli, D. R. (2024) · Geocarto International · doi:10.1080/10106049.2024.2373867 · Cited by 33 · see citing works

XGBoost-B-GHM: An Ensemble Model with Feature Selection and GHM Loss Function Optimization for Credit Scoring

Xia, Y., Jiang, S., Meng, L., & Ju, X. (2024) · Systems · doi:10.3390/systems12070254 · Cited by 31 · see citing works

Adoption of artificial intelligence-based credit risk assessment and fraud detection in the banking services: a hybrid approach (SEM-ANN)

Goyal, K., Garg, M., & Malik, S. (2025) · Future Business Journal · doi:10.1186/s43093-025-00464-3 · Cited by 47 · see citing works

Smart traffic management system using YOLOv11 for real-time vehicle detection and dynamic flow optimization in smart cities

Talaat, F. M., El-Balka, R. M., Sweidan, S., Gamel, S. A., & Al‐Zoghby, A. M. (2025) · Neural Computing and Applications · doi:10.1007/s00521-025-11434-9 · Cited by 20 · see citing works

A Review of TRiSM Frameworks in Artificial Intelligence Systems: Fundamentals, Taxonomy, Use Cases, Key Challenges and Future Directions

Ray, P. P. (2026) · Expert Systems · doi:10.1111/exsy.70213 · Cited by 29 · see citing works

Explainable Artificial Intelligence (XAI): Concepts, Applications, Challenges, and Future Perspectives

Osman, K. A. Y. A., Shah, A. F. M. S., Karabulut, M. A., Karahan, S. N., Osmanca, M. S., & Acır, N. (2026) · IEEE Access · doi:10.1109/access.2026.3663161 · Cited by 21 · see citing works

An Improved Ensemble Method With Data Resampling for Credit Risk Prediction

Aruleba, I., & Sun, Y. (2025) · IEEE Access · doi:10.1109/access.2025.3563432 · Cited by 14 · see citing works

Leveraging artificial intelligence for enhanced decision-making in finance: trends and future directions

Dote-Pardo, J., Cordero-Díaz, M. C., Espinosa-Jaramillo, M. T., & Parra-Domínguez, J. (2025) · Journal of Accounting Literature · doi:10.1108/jal-02-2025-0100 · Cited by 19 · see citing works

Enhanced credit risk prediction using deep learning and SMOTE-ENN resampling

Aruleba, I., & Sun, Y. (2025) · Machine Learning with Applications · doi:10.1016/j.mlwa.2025.100692 · Cited by 22 · see citing works

Performance, Fairness, and Explainability in AI-Based Credit Scoring: A Systematic Literature Review

Bahlool, R. A., Hewahi, N., & Elmedany, W. M. (2026) · Journal of risk and financial management · doi:10.3390/jrfm19020104 · Cited by 20 · see citing works

A new financial risk prediction model based on deep learning and quasi-oppositional coot algorithm

Alhomayani, F. M., & Alruwaitee, K. A. (2024) · Alexandria Engineering Journal · doi:10.1016/j.aej.2024.07.052 · Cited by 12 · see citing works

The impact of big data characteristics on credit risk assessment

Karami, A., & Igbokwe, C. (2025) · International Journal of Data Science and Analytics · doi:10.1007/s41060-025-00753-8 · Cited by 12 · see citing works

Evaluating AI-driven credit scoring models versus traditional statistical techniques

Vakrani, D. S., Padhye, P. S., Gupta, S. K., Roy, J. K., Nerlekar, V. S., & Parashar, N. (2025) · Discover Artificial Intelligence · doi:10.1007/s44163-025-00772-1 · Cited by 11 · see citing works

Explainable AI: Enhancing Interpretability of Machine Learning Models

Kulaklıoğlu, D. (2024) · Human computer interaction. · doi:10.62802/z3pde490 · Cited by 11 · see citing works

Toward an evolving framework for responsible AI for credit scoring in the banking industry

Mathen, M. P., & Paul, A. (2025) · Journal of Information Communication and Ethics in Society · doi:10.1108/jices-08-2024-0122 · Cited by 15 · see citing works

Enhanced Network Intrusion Detection Systems With Explainable Artificial Intelligence for Network Security

Dasari, A. K., Biswas, S. K., & Purkayastha, B. (2025) · International Journal of Communication Systems · doi:10.1002/dac.70209 · Cited by 10 · see citing works

Opening the AI black-box: Symbolic regression with Kolmogorov–Arnold Networks for advanced energy applications

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A novel augmentation strategy for credit scoring modeling

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Application of AdaBound-Optimized XGBoost-LSTM Model for Consumer Credit Assessment in Banking Industries

Fan, L., Wang, C., & Zhong-hua, L. (2024) · Journal of Organizational and End User Computing · doi:10.4018/joeuc.343256 · Cited by 9 · see citing works

Exploration and prioritization of crucial factors of artificial intelligence adoption in credit risk scoring: using the fuzzy analytical hierarchical process

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Graph-Based Inductive Learning for Credit Risk Prediction with Imbalance Mitigation

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A Hybrid Approach to Credit Risk Assessment Using Bill Payment Habits Data and Explainable Artificial Intelligence

Bulut, C., & Arslan, E. (2025) · Applied Sciences · doi:10.3390/app15105723 · Cited by 6 · see citing works

Precise fraud detection and risk management with explainable artificial intelligence

Talaat, F. M., Medhat, T., & Shaban, W. M. (2025) · Neural Computing and Applications · doi:10.1007/s00521-025-11396-y · Cited by 6 · see citing works

NATE: Non-pArameTric approach for Explainable credit scoring on imbalanced class

Han, S., & Jung, H. (2024) · PLoS ONE · doi:10.1371/journal.pone.0316454 · Cited by 6 · see citing works

Intelligent wearable vision systems for the visually impaired in Saudi Arabia

Talaat, F. M., El‐Shafai, W., Soliman, N. F., Algarni, A. D., & El‐Samie, F. E. A. (2025) · Neural Computing and Applications · doi:10.1007/s00521-025-10987-z · Cited by 6 · see citing works

Inclusive Design of AI’s Explanations: Just for Those Previously Left Out?

Hamid, M. M., Moussaoui, F., Guevara, J. N., Anderson, A. W., Agarwal, P., Dodge, J. E., & Burnett, M. (2025) · ACM Transactions on Interactive Intelligent Systems · doi:10.1145/3772074 · Cited by 7 · see citing works

Decoding the multimodal maze: A systematic review on the adoption of explainability in multimodal attention-based models

Kibria, M. R., Lafond, S., & Arslan, J. (2026) · Information Fusion · doi:10.1016/j.inffus.2026.104405 · Cited by 11 · see citing works

Explaining the Unexplainable: A Systematic Review of Explainable AI in FinancePreprint

Mohsin, M. T., & Nasim, N. B. (2025) · Qeios · doi:10.32388/puo5ck · Cited by 5 · see citing works

Ethical Artificial Intelligence and Machine Learning in Self-Service Technologies

Ghosh, R., Çela, E., Chakraborty, S., Gupta, B., Dutta, G., Chakraborty, S., & Roy, S. (2025) · IGI Global eBooks · doi:10.4018/979-8-3373-1295-8.ch007 · Cited by 3 · see citing works

Analysis of informatization-related factors for digital transformation in manufacturing small and medium-sized enterprises using machine learning techniques

Choi, D., & Cho, I. (2025) · International Journal of Production Research · doi:10.1080/00207543.2025.2481182 · Cited by 3 · see citing works

Research on machine learning in credit risk management: current developments and future trends

FANG, Y. (2025) · International Conference on Artificial Intelligence and Machine Learning Research (CAIMLR) · doi:10.1117/12.3058170 · Cited by 3 · see citing works

Explainable AI (XAI) for Credit Scoring and Loan Approvals

Ravi, V., Srivastava, V. K., Singh, M., Burila, R. K., Kassetty, N., Vardhineedi, P. N., Pasam, V. R., Prova, N. N. I., & De, I. (2026) · Lecture notes in networks and systems · doi:10.1007/978-981-96-8998-9_29 · Cited by 3 · see citing works

Tabular Image: a method to convert tabular data to images for convolutional neural networks

Liang, J., Wei, X., & Summers, B. A. (2025) · Annals of Operations Research · doi:10.1007/s10479-025-06754-x · Cited by 3 · see citing works

Explaining the Unexplainable: A Systematic Review of Explainable AI in FinancePreprint

Mohsin, M. T., & Nasim, N. B. (2025) · SSRN Electronic Journal · doi:10.2139/ssrn.5436998 · Cited by 3 · see citing works

Predictive Analytics in Credit Scoring: Integrating XG Boost and Neural Networks for Enhanced Financial Decision Making

Krishna, S. V. S. P. P. J. S., Aarif, M., Bhasin, N. K., Kadyan, S., Savitha, & Bala, B. K. (2024) · International Conference on Data Science and Network Security (ICDSNS) · doi:10.1109/icdsns62112.2024.10691123 · Cited by 2 · see citing works

An interpretable credit risk assessment model with boundary sample identification

Zhang, R., Li, I., & Ding, Z. (2025) · PeerJ Computer Science · doi:10.7717/peerj-cs.2988 · Cited by 2 · see citing works

Optimizing YOLOv9 for automated detection of stroke lesions in brain CT images

Talaat, F. M., & Shaban, W. M. (2025) · Neural Computing and Applications · doi:10.1007/s00521-025-11560-4 · Cited by 2 · see citing works

A credit risk prediction model combining ensemble learning and deep learning through three-way decisions

Li, Y., Zhao, R., & An, Y. (2026) · Journal Of Big Data · doi:10.1186/s40537-026-01375-y · Cited by 5 · see citing works

Simulated quantum feature maps for interpretable credit risk prediction: a comparative benchmark study

Zouaghia, Z., Kodia, Z., & Saïd, L. B. (2026) · International Journal of Data Science and Analytics · doi:10.1007/s41060-026-01085-x · Cited by 2 · see citing works

Evaluating model concordance in a multi-model binary scoring framework: feature-specific and sampling-driven agreement analyses using Kendall’s tau rank correlation for credit risk assessment

Mirza, F. K., Öğrencı, A. S., Bilge, A. H., Eğrican, A. T., Kardous, C., HAJJAOUI, B., Çiçek, B., Yüksel, B., Özvural, Ö. G., & Kasımoğlu, T. (2026) · Neural Computing and Applications · doi:10.1007/s00521-025-11806-1 · Cited by 2 · see citing works

Credit Risk Prediction in Vietnamese Commercial Banks With an Explainable AI Framework Using XGBoost

Vi, P. T., Phuc, V. M., & Bình, L. T. (2025) · Advances in computational intelligence and robotics book series · doi:10.4018/979-8-3373-0462-5.ch012 · Cited by 1 · see citing works

AI-Driven Credit Scoring Model in Smarter Lending Decisions for Farmers

Cahudhari, S., Manna, S., Vadivel, K. S., & Latha Kamatchi, S. (2025) · International Conference on Computing Methodologies and Communication (ICCMC) · doi:10.1109/iccmc65190.2025.11139936 · Cited by 1 · see citing works

A Credit Risk Identification Model Based on the Minimax Probability Machine with Generative Adversarial Networks

Zhang, Y., Zhao, X., & Huang, H. (2025) · Mathematics · doi:10.3390/math13203345 · Cited by 1 · see citing works

Attentive contrast deep neural network for imbalanced credit scoring

Wang, L., Xu, S., & Zhang, L. (2025) · Engineering Applications of Artificial Intelligence · doi:10.1016/j.engappai.2025.112917 · Cited by 1 · see citing works

MvL-GCN: A multi-view learning graph convolutional network for enhancing credit default risk prediction

Pourkhoshgoftar, S., Shahbahrami, A., & Esmi, N. (2026) · Applied Soft Computing · doi:10.1016/j.asoc.2026.114832 · Cited by 1 · see citing works

IVA-FL: An information-value-aware federated learning framework for Privacy-Preserving Financial data Risk Management

Wu, J., Xu, H., Zhang, T., Xu, R., Wu, H., & Huang, Z. (2026) · PLoS ONE · doi:10.1371/journal.pone.0344251 · Cited by 1 · see citing works

Consumer credit evaluation model for free trade ports by a sparse attention transformer and graph neural network

Wu, M., Sabri, M. F., Meng, C., & Wang, S. (2026) · Scientific Reports · doi:10.1038/s41598-026-46849-4 · Cited by 1 · see citing works

Financial and Economic Analysis for Assessment of Credit Risk with Explainable Artificial Intelligence

Mittal, V., Mamadiyarov, Z. T., Dauirxanovich, D. K., Shojonov, M., Khomitov, K. Z., & Gupta, U. (2025) · International Conference on Emerging Technologies and Innovation for Sustainability (EmergIN) · doi:10.1109/emergin67762.2025.11450868 · Cited by 1 · see citing works

Nanophotonic-Enhanced Photoacoustic Imaging in Brain Tumor Diagnosis with Explainable AI

Balamanikandan, A., Sukanya, M., Jalendiran, J., Vinoth, R., Alagarasan, I., & Karthika, V., V (2025) · International Conference on Smart Electronics and Communication (ICOSEC) · doi:10.1109/icosec67334.2025.11459495 · Cited by 1 · see citing works

A multi-objective genetic–Mamdani fuzzy reasoning framework for bias-resilient small business credit scoring

Nair, R. R., Babu, T., & Yogarayan, S. (2026) · Cogent Business & Management · doi:10.1080/23311975.2026.2641267 · Cited by 1 · see citing works

Deep Learning and Machine Learning Models for Scalable Credit Card Default Prediction on Big Data

Chen, A. L., & Qiu, Y. (2024) · IEEE International Conference on Big Data (BigData) · doi:10.1109/bigdata62323.2024.10825743 · Cited by 1 · see citing works

A data-centric approach to building ai models for determining the credit rating of fintech company clients based on open banking

Fostyak, M., & Demkiv, L. (2025) · Artificial Intelligence · doi:10.15407/jai2025.01.132 · Cited by 1 · see citing works

Improving Probability Estimates for Events by considering Types of Errors in Prediction TasksPreprint

Kotzian, P. (2024) · SSRN Electronic Journal · doi:10.2139/ssrn.4853561

Improving Probability Estimates for Events by considering Types of Errors in Prediction TasksPreprint

Kotzian, P. (2024) · SSRN Electronic Journal · doi:10.2139/ssrn.5036334

LEVERAGING ON INTELLIGENT COMPUTING NEURO-STRUCTURES FOR POPULATION DYNAMICS OF FINANCIAL BUBBLE MODEL

Syed, F. A., Fang, K.-T., Kiani, A. K., Shoaib, M., & Raja, M. A. Z. (2024) · The Singapore Economic Review · doi:10.1142/s021759082550002x

An Empirical Study on Enhancing Explainability Through Quantum Machine Learning for Credit Risk Analysis

Routh, A., Gopakumar, P., & Rubell Marion Lincy, G. (2024) · IEEE International Conference on Future Machine Learning and Data Science (FMLDS) · doi:10.1109/fmlds63805.2024.00084

Credit Scoring Using Self-Adaptive Memetic Algorithm with Clustering-Adjusted Cutoff PointPreprint

Khorrami, A., Nayeri, M. D., & Rajabzadeh, A. (2025) · SSRN Electronic Journal · doi:10.2139/ssrn.5148767

Application of Artificial Intelligence Technology for Digital Economy: Research on Default Factors of Personal Automotive Consumer Credit

Ding, Y., Hong, J., Shen, Q., & Si, N. (2024) · International Conference on Computers and Artificial Intelligence Technology (CAIT) · doi:10.1109/cait64506.2024.10963295

IWSL Model: A Novel Credit Scoring Model With Interpretable Features for Consumer Credit Scenarios

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Qin, Y., Yang, J., & Wang, Z. (2026) · Journal of Computing and Electronic Information Management · doi:10.54097/51td8c59

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Bahlool, R. A., & Hewahi, N. M. (2026) · AI · doi:10.3390/ai7080312

Explainable AI Models for Credit Card Default Prediction: Balancing Accuracy and Interpretability

Ishtiaq, W. (2025) · International Journal of Multidisciplinary Sciences and Arts · doi:10.47709/ijmdsa.v4i4.6900

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Explainable AI for Credit Assessment in Banks

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