2025. Real-World Cloud AI Applications in Open Banking and SAP: A Gradient-Boosting and LLM-Driven Approach to Scalable Machine Learning and Software Testing Automation. International Journal of Computer Technology and Electronics Communication. 8, Special Issue 1 (Dec. 2025), 40–44. DOI:https://doi.org/10.15680/IJCTECE.2025.0806808.