Robust Credit-Stress Prediction Under Borrower Behavioural Drift: An Explainable Framework for MSME Lending. International Journal of Information and Electronics Engineering, [S. l.], v. 14, n. 4, p. 172–177, 2026. DOI: 10.48047/p9pxn847. Disponível em: https://ijiee.org/index.php/ijiee/article/view/1221. Acesso em: 9 nov. 2026.