G. R. Enjam, S. C. Chandragowda, and K. M. Tekale, “Loss Ratio Optimization using Data-Driven Portfolio Segmentation”, IJAIDSML, vol. 2, no. 1, pp. 54–62, Mar. 2021, doi: 10.63282/3050-9262.IJAIDSML-V2I1P107.