AMIT KUMAR AGRAWAL; VAIBHAV GANDHI. An Explainable Machine Learning Framework for Credit Risk Assessment and Optimization in the Indian Banking Sector. International Journal of Computer Information Systems and Industrial Management Applications, [S. l.], v. 18, n. 9s, p. 802–813, 2026. DOI: 10.70917/ijcisim-2026-3503. Disponível em: https://cspub-ijcisim.org/index.php/ijcisim/article/view/3503. Acesso em: 18 aug. 2026.