P, R. R.; A, S.; B, S.; JAGANATHAN, L.; S, S. B. Enhancing Credit Scoring through a Multi-Stage Hybrid Ensemble Classification Model with Feature Engineering and Data Balancing. International Research Journal of Multidisciplinary Technovation, [S. l.], v. 7, n. 5, p. 185–209, 2025. DOI: 10.54392/irjmt25512. Disponível em: https://journals.asianresassoc.org/index.php/irjmt/article/view/2216. Acesso em: 23 apr. 2026.