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), [S. l.], v. 6, n. 5, p. 9330–9337, 2023. DOI: 10.15662/IJRPETM.2023.0605007. Disponível em: https://www.ijrpetm.com/index.php/IJRPETM/article/view/212. Acesso em: 3 apr. 2026.