Aoi Suzuki. 2026. “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 6 (01):207-14. https://www.eipublication.com/index.php/eijmrms/article/view/4194.