Explainable Generative AI–Enhanced Credit and Threat Risk Modeling in AI-First Banking: A Secure Apache–SAP HANA Real-Time Cloud Architecture. International Journal of Computer Technology and Electronics Communication, [S. l.], v. 6, n. 6, p. 7982–7991, 2023. DOI: 10.15680/IJCTECE.2023.0606016. Disponível em: https://ijctece.com/index.php/IJCTEC/article/view/320. Acesso em: 4 feb. 2026.