“Implementing AI-Based Credit Risk Models for Small and Medium Enterprises: A Comparative Analysis with Traditional Risk Assessment Approaches”, ACORQ, vol. 14, no. 7, pp. 1–19, Jul. 2024, Accessed: Jun. 16, 2025. [Online]. Available: https://ispiacademy.com/index.php/ACORQ/article/view/2024-JULY-04