“An Apache-Centric Explainable AI Framework for Real-Time Cloud Cybersecurity Multimodal Threat Intelligence and Integrated Credit–Fraud Risk Modeling Using Multivariate Classification”. International Journal of Research Publications in Engineering, Technology and Management (IJRPETM) 6, no. 5 (September 5, 2023): 9330–9337. Accessed February 9, 2026. https://ijrpetm.com/index.php/IJRPETM/article/view/212.