Gunaseelan Namperumal, Akila Selvaraj, and Yeswanth Surampudi. “Synthetic Data Generation for Credit Scoring Models: Leveraging AI and Machine Learning to Improve Predictive Accuracy and Reduce Bias in Financial Services”. Journal of Artificial Intelligence Research, vol. 2, no. 1, Feb. 2022, pp. 168-04, https://thesciencebrigade.com/JAIR/article/view/375.