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Research on the E-Commerce Credit Scoring Model Using the Gaussian Density Function
Journal of Information Processing Systems. 2015;11(2):173-183.   Published online 2014 December 31    DOI: https://doi.org/10.3745/JIPS.04.0012

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Incorporating multilevel macroeconomic variables into credit scoring for online consumer lending
Electronic Commerce Research and Applications. 2021;49:101095   
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Unlocking credit access: Using non-CDR mobile data to enhance credit scoring for financial inclusion
Finance Research Letters. 2025;73:106682   
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Probability density function of the double-Gaussian model
Physical Review B. 1983;27(9):5804-5806   
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Getting a sensible model
Credit Data and Scoring. 2020;111-117   
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A statistical model for credit scoring
Advances in Credit Risk Modelling and Corporate Bankruptcy Prediction. 2008;14-43   
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The Labor Credit Scoring Model for the Gig Economy in Developing Countries
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An Automatic Deep Reinforcement Learning Based Credit Scoring Model using Deep-Q Network for Classification of Customer Credit Requests
2023 IEEE International Symposium on Technology and Society (ISTAS). 2023;1-8   
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Common Variables Used in Credit Scoring
Intelligent Credit Scoring. 2016;403-409   
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Using Non-parametric Count Model for Credit Scoring
Journal of Quantitative Economics. 2020;19(1):39-49   
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Credit Scoring Model Development: Taking Advantage of Credit History
2024 IEEE Region 10 Symposium (TENSYMP). 2024;1-6   
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