@book{11516,
	author = {Nguyễn Ngọc Sơn and Karmani, Majdi, người hướng dẫn },
	title = {Leveraging Machine Learning and Transaction-Level Behavioral Data for Credit-Risk Early Warning : },
	publisher = {Trường Quốc tế, },
	year = {2026},
	address = {H. :}
}