Kotadiya, Uttam, et al. “Fintech Innovations in Credit Card Origination: A Multi-Stage Analysis of Algorithmic Lending Models”. International Journal of Artificial Intelligence, Data Science, and Machine Learning, vol. 4, no. 2, June 2023, pp. 91-100, https://doi.org/10.63282/3050-9262.IJAIDSML-V4I2P110.