“Artificial Intelligence-Driven Customer Behavior Prediction and Credit Risk Analytics: Integrating Machine Learning, Behavioral Modeling, And Digital Innovation in Financial and Marketing Systems”, ilaap, vol. 1, no. 1, pp. 455–465, Dec. 2025, Accessed: Apr. 15, 2026. [Online]. Available: https://americanacademicpub.com/index.php/ilaap/article/view/33