Avaz qizi, Mahmudova Dilnoza. “FEATURE ENGINEERING AND EXPLAINABLE MACHINE LEARNING FOR CREDIT CARD FRAUD DETECTION: EVIDENCE FROM TEMPORAL TRANSACTION DATA”. Innovative: International Multidisciplinary Journal of Applied Technology (2995-486X), vol. 4, no. 10, Oct. 2026, pp. 42-48, https://doi.org/10.51699/q78r8348.