Wong Ki Hurn, Tan Yi Yan, Dickson Lim Zi Yuan, Li Qian, Tee Jim Host, Zhang Xiaolong, and Yip Hong Seng, Siva Raja Sindiramutty, “An Explainable Multi-Modal Phishing Detection Framework”, IJEMD-CSAI, vol. 4, no. 2, Jul. 2026.