Saugat Nayak. “The Future of SME Lending: Innovations in Risk Assessment and Credit Scoring Models Using Machine Learning in Fintech”. International Journal on Recent and Innovation Trends in Computing and Communication 11, no. 9 (September 30, 2023): 5627–5642. Accessed March 15, 2026. https://ijritcc.org/index.php/ijritcc/article/view/11285.