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Shohruh Komiljonov and Farrukh Sadikbaev 2025. Transparency and Explainability in AI Credit Scoring Systems: Case Study of Interpretable ML Design in ScoreTech’s Five-Layer Model. Central Asian Journal of Innovations on Tourism Management and Finance. 4, 7 (Oct. 2025), 243-258. DOI:https://doi.org/10.51699/cajitmf.v4i7.1046.