“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 6, no. 6 (December 15, 2023): 7982–7991. Accessed February 4, 2026. https://ijctece.com/index.php/IJCTEC/article/view/320.