Wongwiwat, P., Chairojwattana, A. and Phaphan, W. (2025) “Machine Learning Approaches for Credit Risk Assessment in SMEs”, Thailand Statistician, 23(3), pp. 710–731. available at: https://ph02.tci-thaijo.org/index.php/thaistat/article/view/259947 (accessed: 15 September 2026).