Oliveira, Edinaldo Vicente de, and Anderson Tenório Sergio. " AUC Is Not Enough: A Utility-Aware Comparison of XGBoost and Multi-Task FT Variants for Proxy-Prescriptive Credit Modeling." Anais do XXIII Encontro Nacional de Inteligência Artificial e Computacional, Cuiabá/MT, 2026. SBC, 2026, pp.2313-2324.