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Htet Nge Nge Ko

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Open access Aug 2026

Towards Sustainable Financial Inclusion: A Comparative Study of Ensemble Architectures and SHAP-Based Explainability in Bank Loan Prediction

By empirically proving that high-performance algorithms can be mathematically blind to demographic biases, this framework directly advances SDG 10 (Reduced Inequalities) and provides the accountable, feature-level justifications required for secure and sustainable financial inclusion (SDG 8).

Htet Nge Nge Ko, Aung Htoo Khine, Shadab Kalhoro et al. · 0 citations