“An Apache-Centric Explainable AI Framework for Real-Time Cloud Cybersecurity Multimodal Threat Intelligence and Integrated Credit–Fraud Risk Modeling Using Multivariate Classification” (2023) International Journal of Research Publications in Engineering, Technology and Management (IJRPETM), 6(5), pp. 9330–9337. doi:10.15662/IJRPETM.2023.0605007.