YADAV, Dr. Sita; GUDADHE, Dr Santwana; ADKE, Dr. Pallavi; KALUNGE, Dr. Vishwas; KHAIRNAR, Dr. Khushal. Explainable Alternative Credit Scoring For Thin-File Msmes Via Multi-Source Behavioral Data Fusion And Xgboost. International Journal of Artificial Intelligence and Machine Learning, [S. l.], v. 6, n. 6s, p. 995–1010, 2026. Disponível em: https://svedbergopen.com/index.php/ijaiml/article/view/780. Acesso em: 9 aug. 2026.