ارائه الگوی پیش‌بینی ریسک اعتباری مبتنی بر هشدار سریع با استفاده از الگوریتم‌های فراابتکاری (مطالعه موردی: بانک سپه)

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Arora, N., & Kaur, P. D. (2026). The Confluence of Artificial Intelligence and Credit Risk Assessment: A Scientometric Analysis and Research Frontiers. Technology in Society, 87, 103341. https://doi.org/10.1016/j.techsoc.2026.103341

Aruleba, I. T., & Sun, Y. (2024). Effective Credit Risk Prediction Using Ensemble Classifiers with Model Explanation. IEEE Access. https://doi.org/10.1109/ACCESS.2024.3445308

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Chang, V., Sivakulasingam, S., Wang, H., Wong, S. T., Ganatra, M. A., & Luo, J. (2024). Credit Risk Prediction Using Machine Learning and Deep Learning: A Study on Credit Card Customers. Risks, 12(11), 174. https://doi.org/10.3390/risks12110174

Deng, Q., Wang, W., & Gu, M. (2025). Enhanced Credit Card Approval Prediction with XGBoost and Metaheuristic Optimization for Reduced Risk. Web Intelligence, 23(4). https://doi.org/10.1177/24056456251356175

Golec, M., & Alabduljalil, M. (2026). Interpretable LLMs for Credit Risk: A Systematic Review and Taxonomy. Expert Systems with Applications, 306, 130941. https://doi.org/10.1016/j.eswa.2025.130941

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Kunjachen, L. M., & Kavitha, R. (2025). Advancing Cardiovascular Risk Prediction: A Fusion of SVM Models with Fuzzy Logic and the Sugeno Integral. Biomedical Signal Processing and Control, 106, 107774. https://doi.org/10.1016/j.bspc.2025.107774

Kurniawan, R. (2024). Application of Random Forest Algorithm on Credit Risk Analysis. Procedia Computer Science, 245, 740-749. https://doi.org/10.1016/j.procs.2024.10.300

Li, Y., Zhao, R., & An, Y. (2026). A Credit Risk Prediction Model Combining Ensemble Learning and Deep Learning Through Three-Way Decisions. Journal of Big Data, 13, 44. https://doi.org/10.1186/s40537-026-00944

Li, Z., Liang, S., Pan, X., & Pang, M. (2024). Credit Risk Prediction Based on Loan Profit: Evidence from Chinese SMEs. Research in International Business and Finance, 67(Part A), 102155. https://doi.org/10.1016/j.ribaf.2023.102155

Lin, S., Lin, X., & He, X. J. (2025). Credit Risk Identification with Hawkes Processes: Theory and Evidence. The Quarterly Review of Economics and Finance, 103, 102027. https://doi.org/10.1016/j.qref.2025.102027

Machado, M. R., Chen, D. T., & Osterrieder, J. R. (2025). An Analytical Approach to Credit Risk Assessment Using Machine Learning Models. Decision Analytics Journal, 16, 100605. https://doi.org/10.1016/j.dajour.2025.100605

Mahadevan, V., Subramaniam, S., & Srivastava, V. (2026). Carbon Concentration in Bank Portfolios and Efficiency: The Role of Credit Risk and Capitalization. Journal of International Financial Markets, Institutions and Money, 109, 102327. https://doi.org/10.1016/j.intfin.2026.102327

Paz, A., Crawford, B., Monfroy, E., Barrera-Garcia, J., Pena Fritz, A., Soto, R., Cisternas-Caneo, F., & Yanez, A. (2025). Machine Learning and Metaheuristics Approach for Individual Credit Risk Assessment: A Systematic Literature Review. Biomimetics, 10(5), 326. https://doi.org/10.3390/biomimetics10050326

Peng, Q., Zhu, Y., & Wang, G. J. (2025). SCF Credit Risk Assessment with Limited Labeled Data Using Label Propagation Algorithm and Complex Network Approaches. International Review of Financial Analysis, 107, 104619. https://doi.org/10.1016/j.irfa.2025.104619

Plikas, J. H., & Kenourgios, D. (2026). Renewable Energy and Bank Credit Risk: The Mediating Role of Economic Growth. Economic Modelling, 107576. https://doi.org/10.1016/j.econmod.2026.107576

Purnama, M. R., Adriano, B., Lahcene, E., Suppasri, A., Imamura, F., Farid, M., & Adityawan, M. B. (2025). Improving Indonesia's Tsunami Early Warning. Part II: Hybridized Deep Learning and Metaheuristic Algorithm for Forecasting and Optimizing. Ocean Engineering, 333, 121496. https://doi.org/10.1016/j.oceaneng.2025.121496

Rajkumar, K., Jayachandran, P., Chakrapani, K., Magesh, S., & Manikandan, R. (2025). Financial Risk Prediction with Banking Monitoring for Cyber Security Analysis Using Automated Machine Learning. In E. Gangadevi (Ed.), Automated Machine Learning and Industrial Applications. Wiley. https://doi.org/10.1002/9781394272426.ch8

Shao, X., Wang, Z., Mirza, N., & Umar, M. (2026). Fossil Fuel Lending and Transition Risk: Evidence from Provisions and Credit Risk Capital Requirements. International Review of Economics & Finance, 107, 105105. https://doi.org/10.1016/j.iref.2026.105105

Zhu, F., Chen, X., & Li, G. (2022). Multi-Classification Assessment of Personal Credit Risk Based on Stacking Integration. Procedia Computer Science, 214, 605-612. https://doi.org/10.1016/j.procs.2022.11.218