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”, J. of Art. Int. Research, vol. 2, no. 1, pp. 168–202, Apr. 2022, Accessed: Jun. 09, 2025. [Online]. Available: https://tsbpublisher.org/jair/article/view/41