Faris, Asmaa, and Mostafa Elhachloufi. “Artificial Intelligence and Machine Learning Models for Credit Risk Prediction in Morocco”. Statistics, Optimization & Information Computing 14, no. 4 (August 15, 2025): 1716-1740. Accessed December 5, 2025. http://www.iapress.org/index.php/soic/article/view/2486.