Pavan Punukollu, Sreeharsha Burugu, Raghuveer Prasad Yerneni, Midhun Punukollu, Sowmya Gudekota. Developing AI-Driven Predictive Models for Credit Risk Forecasting: Leveraging Machine Learning Techniques for Enhancing Decision-Making in Lending Practices. European Journal of Quantum Computing and Intelligent Agents. 2022;6:135-169. Accessed June 11, 2026. https://ejqcia.org/index.php/publication/article/view/16