Halder, Sangjukta, and Renuka Deshmukh. “AI-Driven Credit Scoring and Risk Assessment in Banks: Trends, Opportunities, and Challenges”. The International tax journal 52, no. 5 (September 25, 2025): 1986–1993. Accessed April 4, 2026. https://internationaltaxjournal.online/index.php/itj/article/view/213.