Agarwal, A., Prabha, S. ., & Yadav, R. (2026). Explainable Creditworthiness Scoring using a Calibrated Multimodal Framework . Jurnal RESTI (Rekayasa Sistem Dan Teknologi Informasi), 10(3), 677-688. https://doi.org/10.29207/resti.v10i3.7507