Susanto, Rizky Agil Singgih, and Wahyudi. “Explainable AI (XAI) for Credit Scoring Models in FinTech: SHAP-Value Interpretation Within Digital Lending Ecosystems”. Fintech Innovation Journal, vol. 2, no. 3, Sept. 2026, pp. 172-91, doi:10.63913/ftij.v2i3.31.