Modadugu, J. K. ., Venkata, R. T. P. . and Venkata, K. P. . (2025) “Real-Time credit scoring and risk analysis: Integrating AI and data processing in loan platforms”, International Journal of Innovative Research and Scientific Studies, 8(6), pp. 400–409. doi: 10.53894/ijirss.v8i6.9617.