AGARWAL, Ankur; PRABHA, Shashi; YADAV, Raghav. Explainable Creditworthiness Scoring using a Calibrated Multimodal Framework . Jurnal RESTI (Rekayasa Sistem dan Teknologi Informasi), [S. l.], v. 10, n. 3, p. 677–688, 2026. DOI: 10.29207/resti.v10i3.7507. Disponível em: https://jurnal.iaii.or.id/index.php/RESTI/article/view/7507. Acesso em: 30 oct. 2026.