AI-Based Detection of Phishing Attacks in Digital Payment Systems Using Explainable Machine Learning. International Research Journal of Innovation in Science and Technology, [S. l.], v. 1, n. 3, p. 103–112, 2026. DOI: 10.67308/irjist.083. Disponível em: https://irjist.org/index.php/irjist/article/view/83. Acesso em: 12 oct. 2026.