Deependra Soni, Kulvant Singh, Aditya Choudhary, Deepak Kumar Pathak. Machine Learning-Based Credit Risk Prediction: A Systematic Review of Techniques, Challenges, and Future Directions. IJRASHT [Internet]. 2025 Oct. 29 [cited 2026 Apr. 11];. Available from: https://ijrasht.com/index.php/files/article/view/226