Sutisna, M. A., Riadi, I., & Fadlil, A. (2026). Audit Kredit Digital Berbasis Explainable Artificial Intelligence (XAI): Tinjauan Pustaka Sistematis. Jurnal Teknologi Terpadu, 12(1), 156–164. https://doi.org/10.54914/jtt.v12i1.2614