Agarwal, A., Prabha, S. ., & Yadav, R. . (2026). CME-Insights: A Cognitive Multimodal Explainability Framework for Credit Risk Assessment Using SEC Financial Filings. Jurnal RESTI (Rekayasa Sistem Dan Teknologi Informasi), 10(5), 1287-1300. https://doi.org/10.29207/resti.v10i5.7678