AOI SUZUKI. Intelligent Customer Propensity Modeling and Causal Decision Engines: Integrating Machine Learning, Explainable Artificial Intelligence, And Financial Technology for Predictive Decision-Making. European International Journal of Multidisciplinary Research and Management Studies, [S. l.], v. 6, n. 01, p. 207–214, 2026. Disponível em: https://www.eipublication.com/index.php/eijmrms/article/view/4194. Acesso em: 9 jun. 2026.