Tag: Explainable AI for Credit Scoring with SHAP-Calibrated Ensembles: A Multi-Market Evaluation on Public Lending Data

Abayomi Oluwaseun Japinye & Adesola Anthony Adedugbe DOI: 10.5281/zenodo.17155174 SSR Journal of Artificial Intelligence (SSRJAI) Rapid digitisation has reshaped consumer lending, with machine learning systems now central to underwriting decisions. This transition has improved prediction accuracy while creating concerns about Read More …