Shohruh Komiljonov and Farrukh Sadikbaev, “Transparency and Explainability in AI Credit Scoring Systems: Case Study of Interpretable ML Design in ScoreTech’s Five-Layer Model”, CENT.ASIAN.JOUR.INNOVA.TOUR.MANAGE.FIN, vol. 4, no. 7, pp. 243-258, Oct. 2025.