Agarwal A, Prabha S, Yadav R. CME-Insights: A Cognitive Multimodal Explainability Framework for Credit Risk Assessment Using SEC Financial Filings. J. RESTI (Rekayasa Sist. Teknol. Inf.) . 2026;10(5):1287-1300. doi:10.29207/resti.v10i5.7678