Prof. Martina L. Kovács. “Real-Time AI in Credit Scoring: Transforming Risk Assessment, Governance, and Compliance in Digital Financial Platforms”. The American Journal of Applied Sciences 7, no. 10 (October 31, 2025): 159–166. Accessed January 29, 2026. https://theamericanjournals.com/index.php/tajas/article/view/7253.