Explainable machine learning models for AI enabled credit scoring and financial inclusion in emerging markets
Findings support explainability- and governance-centered model selection for inclusive credit scoring, while underscoring the need for multi-metric fairness auditing, external validation, and continued monitoring in operational deployment.
Yazan Taher Shawabkeh, A. B. Bani Atta, Khaled Aldarab'ah et al.
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