The DOI matches its Crossref record; 36 of the 36 references it cites were found in a registry or an index.
Toward interpretable credit scoring: integrating explainable artificial intelligence with deep learning for credit card default prediction
Overview
Integrity signals
Registry
Cites
Statistics
Verification
Claims the paper makes
Claims other papers make about this one
Each is checked against this paper’s own text: does it say what the citing paper says it does?
In the citing paper
“Talaat et al. [146] showed that XAI also provides a breakdown of credit scores, offering transparency into how individual scores are calculated and the factors influencing them.”
From Recent Emerging Techniques in Explainable Artificial Intelligence to Enhance the Interpretable and Understanding of AI Models for Human (2025) · cites this paper as [146]
Citations
Cites
1 retracted
El-Rashidy, N. M., ElSayed, N. E., El-Ghamry, A., & Talaat, F. M. (2022) · Neural Computing and Applications · doi:10.1007/s00500-022-07420-1 · Cited by 58
Self-citationRetractedTowards A Rigorous Science of Interpretable Machine Learning
Doshi-Velez, F., & Kim, B. (2017) · arXiv · doi:10.48550/arxiv.1702.08608 · Cited by 3,121
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
DARPA's Explainable Artificial Intelligence Program
Gunning, D., & Aha, D. W. (2019) · AI Magazine · doi:10.1609/aimag.v40i2.2850 · Cited by 1,360
Yeh, I.-C., & Lien, C.-H. (2009) · Expert Systems with Applications · doi:10.1016/j.eswa.2007.12.020 · Cited by 885
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
Self-citationWeber, P., Carl, K. V., & Hinz, O. (2024) · Management Review Quarterly · doi:10.1007/s11301-023-00320-0 · Cited by 292
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 278
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
Self-citationTalaat, F. M. (2023) · Neural Computing and Applications · doi:10.1007/s00521-023-08372-9 · Cited by 140
Self-citationTalaat, F. M. (2023) · Neural Computing and Applications · doi:10.1007/s00521-023-08619-5 · Cited by 120
Self-citationSiam, A. I., Gamel, S. A., & Talaat, F. M. (2023) · Neural Computing and Applications · doi:10.1007/s00521-023-08428-w · Cited by 108
Self-citationExplainable 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
Baesens, B., Rösch, D., & Scheule, H. (2016) · Wiley eBooks · doi:10.1002/9781119449560 · Cited by 93
Talaat, F. M. (2022) · Multimedia Tools and Applications · doi:10.1007/s11042-022-12223-5 · Cited by 90
Self-citationInternational 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
Talaat, F. M. (2022) · Multimedia Tools and Applications · doi:10.1007/s11042-022-13000-0 · Cited by 83
Self-citationA 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
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
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
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
Self-citationA2M-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 40
Self-citationTopaloğlu, İ. (2022) · Scientia Iranica · doi:10.24200/sci.2022.58049.5537 · Cited by 38
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
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
Zhang, W., Yang, J., Ding, X., Zou, X., Han, H., & Zhao, Q.-C. (2019) · Expert Systems with Applications · doi:10.1016/j.eswa.2019.02.007 · Cited by 30
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
Self-citationResearch 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
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
Self-citationAn 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
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
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
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
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
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
"Why Should I Trust You?": Explaining the Predictions of Any Classifier
Ribeiro, M. T., Singh, S., & Guestrin, C. (2016) · arXiv
Research works printed but not linked: 1
- El-Rashidy N, Ebrahim N, el Ghamry A, Talaat FM (2022) Utilizing fog computing and explainable deep learning techniques for gestational diabetes prediction. Neural Comput Applic. https://doi.org/10.1007/s00521-022-08007-59 · DOI
Cited by
Sorted by citations
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
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
Self-citationAI 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
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
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
Metadata
- Authors
- Talaat, F. M., Aljadani, A., Badawy, M., & Elhosseini, M.
- Affiliations
- Kafrelsheikh University (EG)
- Taibah University (SA)
- Mansoura University (EG)
- Corresponding author
- Talaat, Fatma M.
- Venue
- Neural Computing and Applications
- Published
- 2023-12-21
- Volume
- 36
- Issue
- 9
- Pages
- 4847-4865
- ISSN
- 0941-0643 (ISSN-L)
- 1433-3058
- OpenAlex
- W4390049924
- Cited by
- 105
- References
- 36
- Citations by year
- 2026: 35 · 2025: 52 · 2024: 18
- FWCI
- 61.12
- Type
- journal article
- Language
- en
- Open access
- closed
- Licence
- Locations
- Neural Computing and Applications (publishedVersion)
- Topics
- Social Sciences › Business, Management and Accounting › Accounting › Financial Distress and Bankruptcy Prediction
- Physical Sciences › Computer Science › Artificial Intelligence › Explainable Artificial Intelligence (XAI)
- Physical Sciences › Computer Science › Artificial Intelligence › Imbalanced Data Classification Techniques
- Keywords
- credit card default prediction, credit scoring, explainable AI, interpretability, credit risk assessment, deep learning, black-box models, late payment
About these checks
Registry, retraction, Cites and statistics results are computed, not judged, with one exception: a printed reference that no index lists is read once by a model before it counts as a citation error. Claims are extracted by a model and kept only when their quote appears verbatim in the text; each cited source is then checked, with a model’s help, for whether it says what the claim relies on. Those verdicts can be wrong — read the claim’s quote and the cited source before relying on one.
Statistics and arithmetic are recomputed, not judged.
Confidence bands are shown only for fields calibrated on our annotated test set. None is calibrated yet, so no band is shown.
What counts as a claim ›How we measure confidence ›How we check this ›
Are you an author, or do you see a problem with this page? Request a review