Xu, Kangming, and Biswajit Purkayastha. “Integrating Artificial Intelligence With KMV Models for Comprehensive Credit Risk Assessment”. Academic Journal of Sociology and Management 2, no. 6 (November 16, 2024): 19–24. Accessed May 22, 2025. https://www.suaspress.org/ojs/index.php/AJSM/article/view/v2n6a04.