VinayKumar Dunka, “Implementing AI-Driven Predictive Analytics for Credit Risk Management in Banking: Leveraging Machine Learning Models for Real-Time Credit Scoring, Fraud Detection, and Risk Mitigation”, Australian Journal of Machine Learning Research & Applications, vol. 3, no. 2, pp. 784–823, Dec. 2023, Accessed: Dec. 04, 2024. [Online]. Available: https://sydneyacademics.com/index.php/ajmlra/article/view/203