Nwachukwu PS, Chima OK, Okolo CH. Credit Risk Assessment Models in Commercial Banking: Approaches, Evolution, and a Proposed Hybrid Risk Evaluation Framework. etj [Internet]. 2025 Sep. 18 [cited 2026 Sep. 28];10(9):7040-63. Available from: https://everant.org/index.php/etj/article/view/2211