“Harnessing Artificial Intelligence and Predictive Data Analytics to Enhance Risk Assessment and Credit Scoring Mechanisms in Retail Banking”. Journal of Data Science, Predictive Analytics, and Big Data Applications 9, no. 9 (September 4, 2024): 1–9. Accessed June 17, 2025. https://helexscience.com/index.php/JDSPABDA/article/view/2024-09-04.