“Synthetic Data Generation for Credit Scoring Models: Leveraging AI and Machine Learning to Improve Predictive Accuracy and Reduce Bias in Financial Services”, J. of Art. Int. & Research, vol. 2, no. 1, pp. 168–204, Feb. 2022, Accessed: Jun. 05, 2026. [Online]. Available: https://thesciencebrigade.com/JAIR/article/view/375