Oliveira, E., & 		Sergio, A.
(2026).
 AUC Is Not Enough: A Utility-Aware Comparison of XGBoost and Multi-Task FT Variants for Proxy-Prescriptive Credit Modeling.
In <em>Anais do XXIII Encontro Nacional de Inteligência Artificial e Computacional</em>, (pp. 2313-2324). Porto Alegre: SBC.
doi:10.5753/eniac.2026.31575