Santhosh Kumar Sagar Nagaraj. “Self-Supervised Learning Approaches for Credit Data Representation and Risk Stratification”. International Journal of Computer Science and Information Technology Research 6, no. 4 (August 28, 2025): 50–69. Accessed January 29, 2026. https://ijcsitr.org/index.php/home/article/view/IJCSITR_2025_06_04_004.