Jiaying Jin, Tina Huang, and Sam Lu, “A Model-Risk-Friendly Probability of Default Workflow: Calibration, Distribution-Free Uncertainty Quantification, and SHAP Explanations on the UCI Credit Card Default Dataset”, JACS, vol. 4, no. 6, pp. 74–85, Jun. 2024, Accessed: Sep. 05, 2026. [Online]. Available: https://ciajournal.com/index.php/JACS/article/view/369