Nagaraj, Santhosh Kumar Sagar. “A Study on Credit Default Prediction Using Hybrid AI Models Combining Neural Architectures and Econometric Features”. International Journal of Emerging Research in Engineering and Technology 6, no. 2 (May 23, 2025): 81–88. Accessed September 12, 2025. https://ijeret.org/index.php/ijeret/article/view/218.