Abdi, Behzad, Alireza Moradi, and Adel Fatemi. “Development of Machine Learning-Based Customer Credit Scoring Models: Analysis of Bank Melli Iran Data for Credit Risk Prediction”. Management Strategies and Engineering Sciences (November 1, 2026): 1–11. Accessed May 27, 2026. https://msesj.com/index.php/mses/article/view/384.