Explainable UPI Fraud Detection Using XGBoost and SHAP-Based Interpretable AI. International Journal of Engineering Research and Science & Technology, [S. l.], v. 22, n. 1(2), p. 289–295, 2026. DOI: 10.62643/ijerst.2026.v22.n1(2).pp289-295. Disponível em: https://ijerst.org/index.php/ijerst/article/view/2241. Acesso em: 6 oct. 2026.