APA (7th ed.) Citation

Bulut, C., & Arslan, E. (2025). A Hybrid Approach to Credit Risk Assessment Using Bill Payment Habits Data and Explainable Artificial Intelligence. Applied Sciences (2076-3417), 15(10), 5723. https://doi.org/10.3390/app15105723

Chicago Style (17th ed.) Citation

Bulut, Cem, and Emel Arslan. "A Hybrid Approach to Credit Risk Assessment Using Bill Payment Habits Data and Explainable Artificial Intelligence." Applied Sciences (2076-3417) 15, no. 10 (2025): 5723. https://doi.org/10.3390/app15105723.

MLA (9th ed.) Citation

Bulut, Cem, and Emel Arslan. "A Hybrid Approach to Credit Risk Assessment Using Bill Payment Habits Data and Explainable Artificial Intelligence." Applied Sciences (2076-3417), vol. 15, no. 10, 2025, p. 5723, https://doi.org/10.3390/app15105723.