Real-Time Cloud Threat Intelligence and Machine Learning–Enhanced Explainable Generative AI for Credit and Risk Modeling using a Secure Apache–SAP HANA Architecture. International Journal of Research and Applied Innovations, [S. l.], v. 7, n. 6, p. 11767–11774, 2024. DOI: 10.15662/IJRAI.2024.0706021. Disponível em: https://www.ijrai.org/index.php/ijrai/article/view/272. Acesso em: 7 feb. 2026.