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 Research and Applied Innovations, [S. l.], v. 6, n. 6, p. 9929–9937, 2023. DOI: 10.15662/IJRAI.2023.0606018. Disponível em: https://ijrai.org/index.php/ijrai/article/view/268. Acesso em: 29 jan. 2026.