B. . Abdi, A. Baghfalaki, A. . Moradi, and A. . Fatemi, “Development of Machine Learning-Based Customer Credit Scoring Models: Analysis of Bank Melli Iran Data for Credit Risk Prediction”, MSES, pp. 1–11, Nov. 2026, Accessed: Aug. 21, 2026. [Online]. Available: https://www.msesj.com/index.php/mses/article/view/384