Jia Chong Ong, and Lai Soon Lee. “Credit Scoring: A Comparison of Machine Learning Models and Their Modifications”. Applied Mathematics and Computational Intelligence (AMCI) 14, no. 1 (February 17, 2025): 57–78. Accessed January 2, 2026. https://ejournal.unimap.edu.my/index.php/amci/article/view/1362.