{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,6,24]],"date-time":"2026-06-24T01:58:20Z","timestamp":1782266300526,"version":"3.54.5"},"reference-count":153,"publisher":"Emerald","issue":"5","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2025,9,4]]},"abstract":"<jats:sec>\n                    <jats:title>Purpose<\/jats:title>\n                    <jats:p>This paper aims to investigate and prioritize the critical factors that influence the adoption of artificial intelligence in credit risk assessments and scoring by banks.<\/jats:p>\n                  <\/jats:sec>\n                  <jats:sec>\n                    <jats:title>Design\/methodology\/approach<\/jats:title>\n                    <jats:p>A systematic literature review was carried out to identify the relevant studies. An exhaustive assessment of these studies enables us to identify criteria and sub-criteria affecting artificial intelligence adoption in banks\u2019 credit risk assessments and scoring. Further, a detailed survey was carried out to consolidate views from various segments, such as academics, bank officers and information technology (IT) managers. Then, a fuzzy analytic hierarchy process (fuzzy-AHP) prioritized critical success factors.<\/jats:p>\n                  <\/jats:sec>\n                  <jats:sec>\n                    <jats:title>Findings<\/jats:title>\n                    <jats:p>The study investigates six main barriers (human, organizational, technological, economic, regulatory and environmental) interlocked with 22 sub-barriers impacting the level of AI adoption in credit risk assessments in the banking sector. The findings indicate that organizational factors (0.227) are the most important, followed by environmental (0.189), regulatory (0.177), economic (0.171), technological (0.138) and human (0.098).<\/jats:p>\n                  <\/jats:sec>\n                  <jats:sec>\n                    <jats:title>Research limitations\/implications<\/jats:title>\n                    <jats:p>This study provides a structured understanding of the challenges faced by banks, aiding practitioners in formulating strategies to overcome these barriers. Policymakers and bank executives can leverage these findings to enhance AI implementation and foster innovation in credit evaluation.<\/jats:p>\n                  <\/jats:sec>\n                  <jats:sec>\n                    <jats:title>Originality\/value<\/jats:title>\n                    <jats:p>This study fills a critical research gap by employing the fuzzy-AHP methodology to prioritize success factors for AI adoption in credit risk scoring, a novel approach in the banking context. The findings contribute to both academic discourse and practical applications, advancing the integration of AI in financial risk management.<\/jats:p>\n                  <\/jats:sec>","DOI":"10.1108\/bpmj-09-2024-0886","type":"journal-article","created":{"date-parts":[[2025,5,30]],"date-time":"2025-05-30T07:08:27Z","timestamp":1748588907000},"page":"1703-1735","source":"Crossref","is-referenced-by-count":7,"title":["Exploration and prioritization of\u00a0crucial factors of artificial intelligence adoption in credit risk\u00a0scoring: using the fuzzy analytical\u00a0hierarchical process"],"prefix":"10.1108","volume":"31","author":[{"given":"Shruti","family":"Malik","sequence":"first","affiliation":[{"name":"Department of Commerce, Shri Ram College of Commerce, University of Delhi , ,","place":["New Delhi, India"]}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-0616-233X","authenticated-orcid":true,"given":"Megha","family":"Garg","sequence":"additional","affiliation":[{"name":"Department of Management Studies, JC Bose University of Science and Technology , ,","place":["Faridabad, India"]}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-3871-4394","authenticated-orcid":true,"given":"Asha","family":"Thomas","sequence":"additional","affiliation":[{"name":"Department of Operations Research and Business Intelligence, Wroc\u0142aw University of Science and Technology , ,","place":["Wroc\u0142aw, Poland"]}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Valentina","family":"Cillo","sequence":"additional","affiliation":[{"name":"Department of Management and Economics, Pegaso Telematic University , ,","place":["Napoli, Italy"]},{"name":"IPAG Business School , ,","place":["Paris, France"]},{"name":"HSE University , ,","place":["Moscow, Russia"]}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-2389-4495","authenticated-orcid":true,"given":"Manlio","family":"Del Giudice","sequence":"additional","affiliation":[{"name":"Department of Management and Economics, Pegaso Telematic University , ,","place":["Napoli, Italy"]},{"name":"GNOSIS: Mediterranean Institute for Management Science, School of Business, University of Nicosia , ,","place":["Nicosia, Cyprus"]},{"name":"HSE University , ,","place":["Moscow, Russia"]}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"140","published-online":{"date-parts":[[2025,6,3]]},"reference":[{"issue":"1","key":"2025113011323103800_ref001","first-page":"89","article-title":"Designing an expert system for credit rating of real customers of banks using fuzzy neural networks","volume":"4","author":"Abbasi Astamal","year":"2019","journal-title":"Advances in Mathematical Finance and Applications"},{"key":"2025113011323103800_ref002","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2022.118991","article-title":"Bagging supervised autoencoder classifier for credit scoring","volume":"213","author":"Abdoli","year":"2023","journal-title":"Expert Systems with Applications"},{"issue":"2-3","key":"2025113011323103800_ref003","doi-asserted-by":"publisher","first-page":"59","DOI":"10.1002\/isaf.325","article-title":"Credit scoring, statistical techniques and evaluation criteria: a review of the literature","volume":"18","author":"Abdou","year":"2011","journal-title":"Intelligent Systems in Accounting, Finance and Management"},{"issue":"2","key":"2025113011323103800_ref004","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1108\/jec-06-2020-0126","article-title":"Digital transformation in financial services provision: a Nigerian perspective to the adoption of chatbot","volume":"15","author":"Abdulquadri","year":"2021","journal-title":"Journal of Enterprising Communities: People and Places in the Global Economy"},{"key":"2025113011323103800_ref005","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.eswa.2016.12.020","article-title":"A comparative study on base classifiers in ensemble methods for credit scoring","volume":"73","author":"Abell\u00e1n","year":"2017","journal-title":"Expert Systems with Applications"},{"issue":"3","key":"2025113011323103800_ref006","doi-asserted-by":"publisher","first-page":"207","DOI":"10.1016\/0165-0114(80)90011-1","article-title":"Fuzzy decision trees","volume":"4","author":"Adamo","year":"1980","journal-title":"Fuzzy Sets and Systems"},{"key":"2025113011323103800_ref007","volume-title":"Gazing into the Oracle: the Delphi Method and its Application to Social Policy and Public Health","author":"Adler","year":"1996"},{"issue":"5","key":"2025113011323103800_ref008","doi-asserted-by":"publisher","first-page":"4267","DOI":"10.1007\/s00500-023-09593-9","article-title":"Does fuzzification of pairwise comparisons in analytic hierarchy process add any value?","volume":"28","author":"Ahmed","year":"2024","journal-title":"Soft Computing"},{"key":"2025113011323103800_ref009","article-title":"The credit evaluation process and the role of credit scoring: a case study of Qatar","author":"Al Amari","year":"2002"},{"key":"2025113011323103800_ref010","doi-asserted-by":"publisher","first-page":"12886","DOI":"10.1109\/tem.2023.3277078","article-title":"The role of green digital learning orientation and big data analytics in the green innovation-sustainable performance relationship","volume":"71","author":"Al Halbusi","year":"2024","journal-title":"IEEE Transactions on Engineering Management"},{"key":"2025113011323103800_ref011","doi-asserted-by":"publisher","DOI":"10.1016\/j.jfs.2022.100989","article-title":"The drivers of cyber risk","volume":"60","author":"Aldasoro","year":"2022","journal-title":"Journal of Financial Stability"},{"key":"2025113011323103800_ref012","first-page":"243","volume-title":"Artificial Intelligence and Economic Sustainability in the Era of Industrial Revolution 5.0","author":"Alhawamdeh","year":"2024"},{"key":"2025113011323103800_ref013","first-page":"3","article-title":"Success factors affecting the adoption of artificial intelligence and the impacts of on organizational excellence: a case to be studied in the MENA Region, and Turkey in particular","author":"Alserr","year":"2021"},{"key":"2025113011323103800_ref170","doi-asserted-by":"crossref","DOI":"10.1016\/j.eswa.2023.121732","article-title":"Establishing the fuzzy integrated hybrid MCDM framework to identify the key barriers to implementing artificial intelligence-enabled sustainable cloud system in an IT industry","volume":"238","author":"Alshahrani","year":"2024","journal-title":"Expert Systems with Applications"},{"issue":"1","key":"2025113011323103800_ref014","doi-asserted-by":"publisher","DOI":"10.1080\/23311975.2019.1675455","article-title":"Credit risk management and business intelligence approach of the banking sector in Jordan","volume":"6","author":"Alzeaideen","year":"2019","journal-title":"Cogent Business and Management"},{"key":"2025113011323103800_ref015","doi-asserted-by":"publisher","first-page":"4131","DOI":"10.1109\/tem.2022.3229049","article-title":"Digital capabilities, their role in business model innovativeness, and the internationalization of SMEs","volume":"71","author":"Anwar","year":"2022","journal-title":"IEEE Transactions on Engineering Management"},{"issue":"6","key":"2025113011323103800_ref016","doi-asserted-by":"publisher","first-page":"1476","DOI":"10.1108\/jkm-01-2021-0058","article-title":"Understanding knowledge hiding undertechnological turbulence caused by artificialintelligence and robotics","volume":"26","author":"Arias-P\u00e9rez","year":"2022","journal-title":"Journal of Knowledge Management"},{"issue":"3","key":"2025113011323103800_ref017","doi-asserted-by":"publisher","first-page":"211","DOI":"10.1002\/jsc.2404","article-title":"Artificial intelligence and fintech: an overview of opportunities and risks for banking, investments, and microfinance","volume":"30","author":"Ashta","year":"2021","journal-title":"Strategic Change"},{"key":"2025113011323103800_ref018","doi-asserted-by":"publisher","DOI":"10.1016\/j.infsof.2022.106896","article-title":"Quantum computing challenges in the software industry. A fuzzy AHP-based approach","volume":"147","author":"Awan","year":"2022","journal-title":"Information and Software Technology"},{"key":"2025113011323103800_ref019","doi-asserted-by":"crossref","first-page":"33","DOI":"10.1007\/978-3-030-02330-0_3","volume-title":"Disrupting Finance: Fintech and Strategy in the 21st Century","author":"Aziz","year":"2019"},{"issue":"3","key":"2025113011323103800_ref020","doi-asserted-by":"publisher","first-page":"264","DOI":"10.1108\/qrfm-04-2014-0011","article-title":"On the role of loan officers' psychological traits in predicting microcredit default accuracy","volume":"7","author":"Baklouti","year":"2015","journal-title":"Qualitative Research in Financial Markets"},{"issue":"1","key":"2025113011323103800_ref021","doi-asserted-by":"publisher","first-page":"127","DOI":"10.31181\/dmame2104127b","article-title":"Application of fuzzy AHP and fuzzy MARCOS approach for the evaluation of e-service quality in the airline industry","volume":"4","author":"Bak\u0131r","year":"2021","journal-title":"Decision Making: Applications in Management and Engineering"},{"issue":"2","key":"2025113011323103800_ref171","first-page":"1","article-title":"Transforming credit assessment: the power of artificial intelligence","volume":"2","author":"Bammidi","year":"2023","journal-title":"International Journal of Interdisciplinary Finance Insights"},{"issue":"2","key":"2025113011323103800_ref022","doi-asserted-by":"publisher","first-page":"159","DOI":"10.1002\/job.2735","article-title":"A multilevel review of artificial intelligence in organizations: implications for organizational behavior research and practice","volume":"45","author":"Bankins","year":"2024","journal-title":"Journal of Organizational Behavior"},{"key":"2025113011323103800_ref023","volume-title":"Fintech in Financial Inclusion: Machine Learning Applications in Assessing Credit Risk","author":"Bazarbash","year":"2019"},{"issue":"1","key":"2025113011323103800_ref024","first-page":"109","article-title":"Machine learning algorithms for credit risk assessment: an economic and financial analysis","volume":"10","author":"Bello","year":"2023","journal-title":"International Journal of Management"},{"key":"2025113011323103800_ref025","first-page":"1","article-title":"A review of artificial intelligence approach for credit risk assessment","author":"Berrada","year":"2022"},{"key":"2025113011323103800_ref026","volume-title":"Risk Management in Banking","author":"Bessis","year":"2011"},{"issue":"7","key":"2025113011323103800_ref027","doi-asserted-by":"publisher","first-page":"133","DOI":"10.1108\/intr-01-2022-0042","article-title":"AI governance: themes, knowledge gaps and future agendas","volume":"33","author":"Birkstedt","year":"2023","journal-title":"Internet Research"},{"issue":"2","key":"2025113011323103800_ref028","doi-asserted-by":"publisher","first-page":"239","DOI":"10.1017\/jmo.2016.55","article-title":"Smart technology, artificial intelligence, robotics, and algorithms (STARA): employees\u2019 perceptions of our future workplace","volume":"24","author":"Brougham","year":"2018","journal-title":"Journal of Management and Organization"},{"issue":"3","key":"2025113011323103800_ref029","doi-asserted-by":"publisher","first-page":"606","DOI":"10.1111\/1748-8583.12524","article-title":"Human resource management in the age of generative artificial intelligence: perspectives and research directions on ChatGPT","volume":"33","author":"Budhwar","year":"2023","journal-title":"Human Resource Management Journal"},{"key":"2025113011323103800_ref030","doi-asserted-by":"publisher","DOI":"10.1016\/j.technovation.2023.102733","article-title":"Technological innovation-enabling industry 4.0paradigm: a systematic literature review","volume":"124","author":"Cannavacciuolo","year":"2023","journal-title":"Technovation"},{"issue":"5","key":"2025113011323103800_ref031","doi-asserted-by":"publisher","first-page":"757","DOI":"10.1108\/tg-05-2019-0031","article-title":"AI strategy of India: policy framework, adoption challenges and actions for government","volume":"14","author":"Chatterjee","year":"2020","journal-title":"Transforming Government: People, Process and Policy"},{"issue":"5","key":"2025113011323103800_ref032","doi-asserted-by":"publisher","first-page":"1803","DOI":"10.3982\/ecta18771","article-title":"A quantitative theory of the credit score","volume":"91","author":"Chatterjee","year":"2023","journal-title":"Econometrica"},{"key":"2025113011323103800_ref033","doi-asserted-by":"publisher","first-page":"314","DOI":"10.1016\/j.ins.2014.01.015","article-title":"Data-intensive applications, challenges, techniques and technologies: a survey on big data","volume":"275","author":"Chen","year":"2014","journal-title":"Information Sciences"},{"key":"2025113011323103800_ref034","first-page":"001","article-title":"Social media analytic-based corporate credit rating forecasting","author":"Chen","year":"2024"},{"issue":"04","key":"2025113011323103800_ref035","doi-asserted-by":"publisher","first-page":"493","DOI":"10.1142\/s2424862221500184","article-title":"Analyzing the critical success enablers of industry 4.0 using hybrid fuzzy AHP\u2013CoCoSo method","volume":"7","author":"Choudhary","year":"2022","journal-title":"Journal of Industrial Integration and Management"},{"issue":"7","key":"2025113011323103800_ref036","doi-asserted-by":"publisher","first-page":"278","DOI":"10.1108\/ejim-03-2022-0131","article-title":"The role of crowdfundingin endorsing responsible open innovation forshared value co-creation: a systematic literaturereview","volume":"26","author":"Cillo","year":"2023","journal-title":"European Journal of Innovation Management"},{"issue":"9","key":"2025113011323103800_ref037","doi-asserted-by":"publisher","first-page":"997","DOI":"10.1057\/palgrave.jors.2601178","article-title":"Credit scoring and its applications","volume":"52","author":"Crook","year":"2002","journal-title":"Journal of the Operational Research Society"},{"issue":"3","key":"2025113011323103800_ref038","doi-asserted-by":"publisher","first-page":"1447","DOI":"10.1016\/j.ejor.2006.09.100","article-title":"Recent developments in consumer credit risk assessment","volume":"183","author":"Crook","year":"2007","journal-title":"European Journal of Operational Research"},{"key":"2025113011323103800_ref039","doi-asserted-by":"publisher","DOI":"10.1016\/j.techsoc.2020.101257","article-title":"Drivers, barriers and social considerations for AI adoption in business and management: a tertiary study","volume":"62","author":"Cubric","year":"2020","journal-title":"Technology in Society"},{"issue":"2","key":"2025113011323103800_ref040","doi-asserted-by":"publisher","first-page":"96","DOI":"10.1109\/tai.2021.3088084","article-title":"Privacy and artificial intelligence","volume":"2","author":"Curzon","year":"2021","journal-title":"IEEE Transactions on Artificial Intelligence"},{"key":"2025113011323103800_ref041","doi-asserted-by":"publisher","DOI":"10.1016\/j.jclepro.2022.131111","article-title":"A fuzzy analytic hierarchy process-based analysis for prioritization of barriers to offshore wind energy","volume":"345","author":"Dhingra","year":"2022","journal-title":"Journal of Cleaner Production"},{"issue":"1","key":"2025113011323103800_ref042","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.ejor.2022.04.027","article-title":"Operational research and artificial intelligence methods in banking","volume":"306","author":"Doumpos","year":"2023","journal-title":"European Journal of Operational Research"},{"key":"2025113011323103800_ref043","doi-asserted-by":"publisher","first-page":"961","DOI":"10.1016\/j.jbusres.2020.08.024","article-title":"Paradoxes of artificial intelligence in consumer markets: ethical challenges and opportunities","volume":"129","author":"Du","year":"2021","journal-title":"Journal of Business Research"},{"key":"2025113011323103800_ref044","doi-asserted-by":"publisher","DOI":"10.1016\/j.ijinfomgt.2019.08.002","article-title":"Artificial intelligence (AI): multidisciplinary perspectives on emerging challenges, opportunities, and agenda for research, practice and policy","volume":"57","author":"Dwivedi","year":"2021","journal-title":"International Journal of Information Management"},{"issue":"3","key":"2025113011323103800_ref045","doi-asserted-by":"publisher","first-page":"160","DOI":"10.1016\/j.infoandorg.2015.05.001","article-title":"Inside banks\u2019 information and control systems: post-decision surprise and corporate disruption","volume":"25","author":"Eastburn","year":"2015","journal-title":"Information and Organization"},{"key":"2025113011323103800_ref046","unstructured":"European Commission\n           (2020), \u201cWhite paper on artificial intelligence: a European approach to excellence and trust\u201d, available at:\u00a0https:\/\/ec.europa.eu\/info\/sites\/default\/files\/commission-white-paper-artificial-intelligence-feb2020_en.pdf (accessed\u00a015 December 2024)."},{"key":"2025113011323103800_ref047","first-page":"1345","volume-title":"AI and Ethics","author":"Falk","year":"2024"},{"key":"2025113011323103800_ref048","doi-asserted-by":"publisher","first-page":"146","DOI":"10.1016\/j.jbusres.2022.01.091","article-title":"Contextualising the role of external partnerships to innovate the core and enabling processes of an organisation: a resource and knowledge-based view","volume":"144","author":"Fernandes","year":"2022","journal-title":"Journal of Business Research"},{"key":"2025113011323103800_ref049","doi-asserted-by":"publisher","DOI":"10.1016\/j.asoc.2020.106329","article-title":"A two-stage fuzzy neural approach for credit risk assessment in a Brazilian credit card company","volume":"92","author":"Fonseca","year":"2020","journal-title":"Applied Soft Computing"},{"key":"2025113011323103800_ref050","doi-asserted-by":"publisher","first-page":"254","DOI":"10.1016\/j.techfore.2016.08.019","article-title":"The future of employment: how susceptible are jobs to computerisation?","volume":"114","author":"Frey","year":"2017","journal-title":"Technological Forecasting and Social Change"},{"issue":"4","key":"2025113011323103800_ref051","doi-asserted-by":"publisher","first-page":"791","DOI":"10.1007\/s10676-021-09615-w","article-title":"AI recruitment algorithms and the dehumanization problem","volume":"23","author":"Fritts","year":"2021","journal-title":"Ethics and Information Technology"},{"key":"2025113011323103800_ref052","doi-asserted-by":"publisher","first-page":"6631","DOI":"10.1016\/j.matpr.2021.04.101","article-title":"Prioritization and ranking of indicators of sustainable manufacturing in Indian MSMEs using fuzzy AHP approach","volume":"46","author":"Gani","year":"2021","journal-title":"Materials Today: Proceedings"},{"issue":"2","key":"2025113011323103800_ref053","doi-asserted-by":"publisher","first-page":"99","DOI":"10.4038\/cbj.v14i2.159","article-title":"Social entrepreneurship and sustainable development: a bibliometric analysis","volume":"14","author":"Garg","year":"2023","journal-title":"Colombo Business Journal"},{"issue":"6","key":"2025113011323103800_ref172","doi-asserted-by":"crossref","first-page":"490","DOI":"10.1057\/s41262-023-00324-x","article-title":"Brand passion: a systematic review and future research agenda","volume":"30","author":"Gilal","year":"2023","journal-title":"Journal of Brand Management"},{"issue":"1","key":"2025113011323103800_ref054","doi-asserted-by":"publisher","first-page":"46","DOI":"10.1108\/jeee-03-2021-0093","article-title":"Credit scoring of small and medium enterprises: a behavioural approach","volume":"15","author":"Goel","year":"2023","journal-title":"Journal of Entrepreneurship in Emerging Economies"},{"key":"2025113011323103800_ref055","doi-asserted-by":"publisher","first-page":"638","DOI":"10.1109\/tem.2021.3116187","article-title":"How artificial intelligence drives sustainable frugal innovation: a multitheoretical perspective","volume":"71","author":"Govindan","year":"2022","journal-title":"IEEE Transactions on Engineering Management"},{"issue":"6","key":"2025113011323103800_ref056","doi-asserted-by":"publisher","first-page":"1022","DOI":"10.1108\/imds-01-2015-0027","article-title":"Integrating multi-criteria decision making and clustering for business customer segmentation","volume":"115","author":"G\u00fc\u00e7demir","year":"2015","journal-title":"Industrial Management and Data Systems"},{"key":"2025113011323103800_ref057","doi-asserted-by":"publisher","first-page":"80","DOI":"10.1016\/j.datak.2018.05.005","article-title":"A multiple criteria credit rating approach utilizing social media data","volume":"116","author":"G\u00fcl","year":"2018","journal-title":"Data and Knowledge Engineering"},{"issue":"6","key":"2025113011323103800_ref058","doi-asserted-by":"publisher","first-page":"2515","DOI":"10.1007\/s41870-018-0204-2","article-title":"An artificial intelligence based approach for managing risk of IT systems in adopting cloud","volume":"13","author":"Gupta","year":"2021","journal-title":"International Journal of Information Technology"},{"key":"2025113011323103800_ref059","doi-asserted-by":"publisher","DOI":"10.1177\/23197145231167633","article-title":"Examining adoption drivers of payments bank using fuzzy analytic hierarchy process approach","author":"Gupta","year":"2023","journal-title":"FIIB Business Review"},{"issue":"10","key":"2025113011323103800_ref060","doi-asserted-by":"publisher","first-page":"972","DOI":"10.1108\/ijpdlm-11-2017-0348","article-title":"Emerging procurement technology: data analytics and cognitive analytics","volume":"49","author":"Handfield","year":"2019","journal-title":"International Journal of Physical Distribution and Logistics Management"},{"key":"2025113011323103800_ref061","first-page":"1","volume-title":"The Basel II Risk Parameters: Estimation, Validation, Stress testing-with Applications to Loan Risk Management","author":"Hayden","year":"2011"},{"key":"2025113011323103800_ref062","doi-asserted-by":"publisher","DOI":"10.1177\/02666669231166889","article-title":"The critical determinants impacting artificial intelligence adoption at the organizational level","author":"Horani","year":"2023","journal-title":"Information Development"},{"issue":"4","key":"2025113011323103800_ref063","doi-asserted-by":"publisher","first-page":"543","DOI":"10.1016\/s0167-9236(03)00086-1","article-title":"Credit rating analysis with support vector machines and neural networks: a market comparative study","volume":"37","author":"Huang","year":"2004","journal-title":"Decision Support Systems"},{"issue":"3","key":"2025113011323103800_ref064","doi-asserted-by":"publisher","first-page":"233","DOI":"10.3846\/1611-1699.2009.10.233-240","article-title":"A comparison of data mining techniques for credit scoring in banking: a managerial perspective","volume":"10","author":"Ince","year":"2009","journal-title":"Journal of Business Economics and Management"},{"issue":"3","key":"2025113011323103800_ref065","doi-asserted-by":"publisher","first-page":"509","DOI":"10.1007\/s00146-017-0758-8","article-title":"Comparative legal study on privacy and personal data protection for robots equipped with artificial intelligence: looking at functional and technological aspects","volume":"34","author":"Ishii","year":"2019","journal-title":"AI and Society"},{"key":"2025113011323103800_ref066","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2022.119456","article-title":"Artificial intelligence for industry 4.0: systematic review of applications, challenges, and opportunities","volume":"216","author":"Jan","year":"2023","journal-title":"Expert Systems with Applications"},{"issue":"2","key":"2025113011323103800_ref067","doi-asserted-by":"publisher","first-page":"505","DOI":"10.1108\/jeim-10-2021-0456","article-title":"Barriers to information and digital technology adoption in humanitarian supply chain management: a fuzzy AHP approach","volume":"36","author":"Kabra","year":"2023","journal-title":"Journal of Enterprise Information Management"},{"issue":"8","key":"2025113011323103800_ref068","doi-asserted-by":"publisher","first-page":"2004","DOI":"10.1108\/ijqrm-03-2023-0079","article-title":"Identification and prioritization of the factors influencing blockchain adoption in the banking sector: integrating fuzzy AHP with TOE framework","volume":"41","author":"Kajla","year":"2023","journal-title":"International Journal of Quality and Reliability Management"},{"key":"2025113011323103800_ref069","doi-asserted-by":"crossref","DOI":"10.1093\/ulr\/unae020","article-title":"Artificial intelligence and human rights","author":"Kamble","year":"2024","journal-title":"Uniform Law Review"},{"key":"2025113011323103800_ref070","author":"Kamiya","year":"2018"},{"issue":"2","key":"2025113011323103800_ref071","doi-asserted-by":"publisher","DOI":"10.1057\/s41283-023-00118-0","article-title":"Risk analysis in decentralized finance (DeFi): a fuzzy-AHP approach","volume":"25","author":"Kaur","year":"2023","journal-title":"Risk Management"},{"key":"2025113011323103800_ref072","doi-asserted-by":"publisher","DOI":"10.1016\/j.asoc.2019.105648","article-title":"Fuzzy AHP based prioritization and taxonomy of software process improvement success factors in global software development","volume":"83","author":"Khan","year":"2019","journal-title":"Applied Soft Computing"},{"issue":"12","key":"2025113011323103800_ref073","doi-asserted-by":"publisher","DOI":"10.1002\/smr.2387","article-title":"Identification and prioritization of security challenges of big data on cloud computing based on SLR: a fuzzy-TOPSIS analysis approach. Journal of software","volume":"33","author":"Khan","year":"2021","journal-title":"Evolution and Process"},{"issue":"1","key":"2025113011323103800_ref074","doi-asserted-by":"publisher","first-page":"232","DOI":"10.1177\/0972150920948818","article-title":"Prioritizing circular supply chain management barriers using fuzzy AHP: case of the Indian plastic industry","volume":"25","author":"Khandelwal","year":"2024","journal-title":"Global Business Review"},{"issue":"6","key":"2025113011323103800_ref075","doi-asserted-by":"publisher","first-page":"46","DOI":"10.1002\/cplx.21458","article-title":"A bi-level neural-based fuzzy classification approach for credit scoring problems","volume":"18","author":"Khashei","year":"2013","journal-title":"Complexity"},{"key":"2025113011323103800_ref076","doi-asserted-by":"publisher","DOI":"10.1016\/j.techsoc.2023.102232","article-title":"The blended future of automation and AI: examining some long-term societal and ethical impact features","volume":"73","author":"Khogali","year":"2023","journal-title":"Technology in Society"},{"key":"2025113011323103800_ref077","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbef.2020.100352","article-title":"Applications of artificial intelligence in commercial banks\u2013A research agenda for behavioral finance","volume":"27","author":"K\u00f6nigstorfer","year":"2020","journal-title":"Journal of behavioral and experimental finance"},{"key":"2025113011323103800_ref078","doi-asserted-by":"publisher","DOI":"10.1016\/j.rtbm.2020.100434","article-title":"Location selection of multimodal freight terminal under STEEP sustainability","volume":"33","author":"Kumar","year":"2019","journal-title":"Research in Transportation Business and Management"},{"key":"2025113011323103800_ref079","first-page":"1","article-title":"A novel approach for credit scoring system for loan approval using ensemble learning algorithm","author":"Kumar","year":"2024"},{"issue":"2","key":"2025113011323103800_ref080","doi-asserted-by":"publisher","first-page":"129","DOI":"10.1177\/09726225221124035","article-title":"Factors influencing the AI adoption in organizations","volume":"21","author":"Kurup","year":"2022","journal-title":"Metamorphosis"},{"key":"2025113011323103800_ref081","doi-asserted-by":"publisher","DOI":"10.1016\/j.clscn.2023.100116","article-title":"Evaluation and ranking of solutions to overcome the barriers of industry 4.0 enabled sustainable food supply chain adoption","volume":"8","author":"Lahane","year":"2023","journal-title":"Cleaner Logistics and Supply Chain"},{"issue":"2_suppl","key":"2025113011323103800_ref082","doi-asserted-by":"publisher","first-page":"S151","DOI":"10.1177\/0972150920969927","article-title":"The impact of credit risk on performance: a case of South African commercial banks","volume":"25","author":"Lawrence","year":"2024","journal-title":"Global Business Review"},{"key":"2025113011323103800_ref083","doi-asserted-by":"publisher","DOI":"10.1016\/j.cose.2022.102832","article-title":"Investigating perceptions about risk of data breaches in financial institutions: a routine activity-approach","volume":"121","author":"Lee","year":"2022","journal-title":"Computers and Security"},{"issue":"2","key":"2025113011323103800_ref084","doi-asserted-by":"publisher","first-page":"123","DOI":"10.13052\/jicts2245-800x.823","article-title":"Global challenges in the standardization of ethics for trustworthy AI","volume":"8","author":"Lewis","year":"2020","journal-title":"Journal of ICT Standardization"},{"key":"2025113011323103800_ref085","doi-asserted-by":"publisher","first-page":"343","DOI":"10.1016\/j.eswa.2016.05.029","article-title":"Financial innovation: credit default hybrid model for SME lending","volume":"61","author":"Li","year":"2016","journal-title":"Expert Systems with Applications"},{"issue":"3","key":"2025113011323103800_ref086","doi-asserted-by":"publisher","first-page":"843","DOI":"10.1007\/s10490-021-09770-0","article-title":"Belt and road initiative, globalization and institutional changes: implications for firms in Asia. Asia Pacific","volume":"39","author":"Li","year":"2022","journal-title":"Journal of Management"},{"issue":"1","key":"2025113011323103800_ref087","doi-asserted-by":"publisher","first-page":"165","DOI":"10.1108\/jkm-06-2020-0471","article-title":"The effects ofcorporate governance on the customer\u2019srecommendations: a study of the banking sectorat the time of COVID-19","volume":"26","author":"Ltifi","year":"2022","journal-title":"Journal of Knowledge Management"},{"issue":"2","key":"2025113011323103800_ref088","doi-asserted-by":"publisher","DOI":"10.1111\/exsy.12297","article-title":"A comparison analysis for credit scoring using bagging ensembles","volume":"39","author":"Luo","year":"2022","journal-title":"Expert Systems"},{"issue":"8","key":"2025113011323103800_ref089","doi-asserted-by":"publisher","first-page":"4126","DOI":"10.1016\/j.eswa.2015.01.003","article-title":"Fuzzy multiple criteria decision-making techniques and applications\u2013two decades review from 1994 to 2014","volume":"42","author":"Mardani","year":"2015","journal-title":"Expert Systems with Applications"},{"issue":"2","key":"2025113011323103800_ref090","doi-asserted-by":"publisher","first-page":"323","DOI":"10.1016\/j.chb.2004.02.010","article-title":"Emotions in human and artificial intelligence","volume":"21","author":"Mart\u0131nez-Miranda","year":"2005","journal-title":"Computers in Human Behavior"},{"key":"2025113011323103800_ref091","doi-asserted-by":"publisher","first-page":"157","DOI":"10.1016\/j.eswa.2019.03.014","article-title":"Credit risk modeling using Bayesian network with a latent variable","volume":"127","author":"Masmoudi","year":"2019","journal-title":"Expert Systems with Applications"},{"key":"2025113011323103800_ref092","doi-asserted-by":"publisher","DOI":"10.1108\/JMP-05-2024-0388","article-title":"Artificial intelligence in the workplace \u2013 challenges, opportunities and HRM framework: a critical review and research agenda for change","author":"Mendy","year":"2024","journal-title":"Journal of Managerial Psychology"},{"issue":"3","key":"2025113011323103800_ref093","doi-asserted-by":"publisher","first-page":"41","DOI":"10.2478\/jcbtp-2021-0023","article-title":"Prospects of artificial intelligence and machine learning application in banking risk management","volume":"10","author":"Milojevi\u0107","year":"2021","journal-title":"Journal of Central Banking Theory and Practice"},{"key":"2025113011323103800_ref094","doi-asserted-by":"publisher","first-page":"125","DOI":"10.1108\/s2754-586520230000002007","article-title":"PRISMA for review of management literature\u2013method, merits, and Limitations\u2013An academic review","author":"Mishra","year":"2023","journal-title":"Advancing Methodologies of Conducting Literature Review in Management Domain"},{"issue":"7","key":"2025113011323103800_ref095","doi-asserted-by":"publisher","DOI":"10.1371\/journal.pmed.1000097","article-title":"Preferred reporting items for systematic reviews and meta-analyses: the PRISMA statement","volume":"6","author":"Moher","year":"2009","journal-title":"PLoS Medicine"},{"key":"2025113011323103800_ref096","doi-asserted-by":"crossref","first-page":"212","DOI":"10.1007\/978-3-319-96448-5_21","volume-title":"Philosophy and Theory of Artificial Intelligence 2017","author":"Monett","year":"2018"},{"key":"2025113011323103800_ref097","doi-asserted-by":"crossref","first-page":"189","DOI":"10.1016\/B978-0-323-96146-2.00001-2","volume-title":"Distributed Computing to Blockchain","author":"Nair","year":"2023"},{"issue":"3","key":"2025113011323103800_ref098","doi-asserted-by":"publisher","first-page":"553","DOI":"10.1007\/s12525-020-00442-3","article-title":"The adoption of artificial intelligence and robotics in the hotel industry: prospects and challenges","volume":"31","author":"Nam","year":"2021","journal-title":"Electronic Markets"},{"issue":"1","key":"2025113011323103800_ref099","doi-asserted-by":"publisher","first-page":"114","DOI":"10.1080\/14719037.2022.2048685","article-title":"Exploring artificial intelligence adoption in public organizations: a comparative case study","volume":"26","author":"Neumann","year":"2024","journal-title":"Public Management Review"},{"key":"2025113011323103800_ref100","doi-asserted-by":"publisher","DOI":"10.1016\/j.ijinfomgt.2020.102104","article-title":"Artificial intelligence for sustainability: challenges, opportunities, and a research agenda","volume":"53","author":"Nishant","year":"2020","journal-title":"International Journal of Information Management"},{"key":"2025113011323103800_ref101","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/bs.adcom.2023.02.001","volume-title":"Advances in Computers","author":"Nozari","year":"2024"},{"key":"2025113011323103800_ref102","unstructured":"OECD\n           (2020), \u201cThe OECD AI principles\u201d, available at:\u00a0https:\/\/oecd.ai\/en\/ai-principles (accessed\u00a08 December 2024)."},{"issue":"4","key":"2025113011323103800_ref103","first-page":"37","article-title":"Acceptance of artificial intelligence (ChatGPT) in education: trust, innovativeness and psychological need of students","volume":"13","author":"Ofosu-Ampong","year":"2023","journal-title":"Information and Knowledge Management"},{"key":"2025113011323103800_ref104","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1080\/08874417.2023.2261010","article-title":"The potential of generative artificial intelligence across disciplines: perspectives and future directions","volume":"65","author":"Ooi","year":"2023","journal-title":"Journal of Computer Information Systems"},{"issue":"4","key":"2025113011323103800_ref105","doi-asserted-by":"publisher","first-page":"521","DOI":"10.1007\/s40815-015-0063-y","article-title":"Credit rating analysis by the decision-tree support vector machine with ensemble strategies","volume":"17","author":"Pai","year":"2015","journal-title":"International Journal of Fuzzy Systems"},{"issue":"7","key":"2025113011323103800_ref106","doi-asserted-by":"publisher","first-page":"3679","DOI":"10.1007\/s41870-022-00974-1","article-title":"A credit risk assessment on borrowers classification using optimized decision tree and KNN with bayesian optimization","volume":"14","author":"Pandey","year":"2022","journal-title":"International Journal of Information Technology"},{"issue":"9","key":"2025113011323103800_ref107","doi-asserted-by":"publisher","first-page":"2599","DOI":"10.1108\/bij-04-2020-0186","article-title":"Adoption of artificial intelligence (AI) for talent acquisition in IT\/ITeS organizations","volume":"27","author":"Pillai","year":"2020","journal-title":"Benchmarking: An International Journal"},{"issue":"6","key":"2025113011323103800_ref108","doi-asserted-by":"publisher","first-page":"1615","DOI":"10.1108\/jkm-04-2021-0272","article-title":"A discriminant analysis of high and low-innovative firms: the role of IT, human resources, innovation strategy, intellectual capital and environmental dynamism","volume":"26","author":"Popa","year":"2022","journal-title":"Journal of Knowledge Management"},{"issue":"7","key":"2025113011323103800_ref109","doi-asserted-by":"publisher","first-page":"1543","DOI":"10.1080\/10447318.2022.2081284","article-title":"The use of responsible artificial intelligence techniques in the context of loan approval processes","volume":"39","author":"Purificato","year":"2023","journal-title":"International Journal of Human-Computer Interaction"},{"issue":"10","key":"2025113011323103800_ref110","doi-asserted-by":"publisher","first-page":"4270","DOI":"10.1108\/ijoem-06-2020-0724","article-title":"Adoption of artificial intelligence in banking services: an empirical analysis","volume":"18","author":"Rahman","year":"2023","journal-title":"International Journal of Emerging Markets"},{"key":"2025113011323103800_ref111","first-page":"6","volume-title":"Artificial Intelligence and Human Rights: Opportunities and Risks","author":"Raso","year":"2018"},{"issue":"3","key":"2025113011323103800_ref112","doi-asserted-by":"publisher","DOI":"10.1016\/j.giq.2023.101814","article-title":"Barriers to artificial intelligence adoption in smart cities: a systematic literature review and research agenda","volume":"40","author":"Rjab","year":"2023","journal-title":"Government Information Quarterly"},{"issue":"11","key":"2025113011323103800_ref113","first-page":"1073","article-title":"The analytic hierarchy process (AHP)","volume":"41","author":"Saaty","year":"1980","journal-title":"Journal of the Operational Research Society"},{"issue":"1","key":"2025113011323103800_ref114","doi-asserted-by":"publisher","DOI":"10.1080\/23322039.2021.2023262","article-title":"Artificial intelligence and bank credit analysis: a review","volume":"10","author":"Sadok","year":"2022","journal-title":"Cogent Economics and Finance"},{"key":"2025113011323103800_ref115","doi-asserted-by":"publisher","first-page":"259","DOI":"10.1007\/978-3-030-21451-7_22","article-title":"Artificial intelligence tool penetration in business: adoption, challenges and fears","author":"Schl\u00f6gl","year":"2019"},{"issue":"1","key":"2025113011323103800_ref116","doi-asserted-by":"publisher","first-page":"196","DOI":"10.1108\/bpmj-01-2016-0013","article-title":"Supporting decision-making in service supplier selection using a hybrid fuzzy extended AHP approach: a case study","volume":"23","author":"Secundo","year":"2017","journal-title":"Business Process Management Journal"},{"key":"2025113011323103800_ref117","doi-asserted-by":"publisher","first-page":"61829","DOI":"10.1109\/access.2023.3287195","article-title":"A survey of privacy risks and mitigation strategies in the artificial intelligence life cycle","volume":"11","author":"Shahriar","year":"2023","journal-title":"IEEE Access"},{"key":"2025113011323103800_ref118","doi-asserted-by":"publisher","first-page":"256","DOI":"10.1016\/j.chb.2019.04.001","article-title":"Feeling our way to machine minds: people\u2019s emotions when perceiving mind in artificial intelligence","volume":"98","author":"Shank","year":"2019","journal-title":"Computers in Human Behavior"},{"key":"2025113011323103800_ref119","doi-asserted-by":"publisher","DOI":"10.1016\/j.physa.2019.121073","article-title":"A novel ensemble classification model based on neural networks and a classifier optimisation technique for imbalanced credit risk evaluation","volume":"526","author":"Shen","year":"2019","journal-title":"Physica A: Statistical Mechanics and its Applications"},{"issue":"6","key":"2025113011323103800_ref120","doi-asserted-by":"publisher","first-page":"1248","DOI":"10.1108\/ijbm-09-2021-0449","article-title":"AI-driven banking services: the next Frontier for a personalised experience in the emerging market","volume":"40","author":"Sheth","year":"2022","journal-title":"International Journal of Bank Marketing"},{"key":"2025113011323103800_ref121","doi-asserted-by":"publisher","first-page":"191","DOI":"10.1016\/j.ijinfomgt.2019.05.022","article-title":"Determining factors in the adoption and recommendation of Mobile wallet services in India: analysis of the effect of innovativeness, stress to use and social influence","volume":"50","author":"Singh","year":"2020","journal-title":"International Journal of Information Management"},{"key":"2025113011323103800_ref122","doi-asserted-by":"publisher","first-page":"574","DOI":"10.1016\/j.jbusres.2021.05.009","article-title":"How AI capabilities enable business model innovation: scaling AI through co-evolutionary processes and feedback loops","volume":"134","author":"Sj\u00f6din","year":"2021","journal-title":"Journal of Business Research"},{"issue":"4","key":"2025113011323103800_ref123","doi-asserted-by":"publisher","first-page":"260","DOI":"10.1080\/10580530.2020.1814461","article-title":"COVID-19 pandemic: shifting digital transformation to a high-speed gear","volume":"37","author":"Soto-Acosta","year":"2020","journal-title":"Information Systems Management"},{"issue":"1","key":"2025113011323103800_ref124","doi-asserted-by":"publisher","first-page":"20","DOI":"10.1080\/10580530.2023.2274531","article-title":"Navigating uncertainty: post-pandemic issues on digital transformation","volume":"41","author":"Soto-Acosta","year":"2024","journal-title":"Information Systems Management"},{"key":"2025113011323103800_ref125","doi-asserted-by":"crossref","first-page":"27","DOI":"10.1002\/9781394175574.ch2","volume-title":"Artificial Intelligence for Risk Mitigation in the Financial Industry","author":"Srivastava","year":"2024"},{"issue":"1","key":"2025113011323103800_ref126","doi-asserted-by":"publisher","first-page":"23","DOI":"10.1007\/s00146-021-01148-6","article-title":"Organisational responses to the ethical issues of artificial intelligence","volume":"37","author":"Stahl","year":"2022","journal-title":"AI and Society"},{"issue":"6404","key":"2025113011323103800_ref127","doi-asserted-by":"publisher","first-page":"751","DOI":"10.1126\/science.aat5991","article-title":"How AI can be a force for good: an ethical framework will help to harness the potential of AI while keeping humans in control","volume":"361","author":"Taddeo","year":"2018","journal-title":"Science Review"},{"issue":"9","key":"2025113011323103800_ref128","doi-asserted-by":"publisher","first-page":"4847","DOI":"10.1007\/s00521-023-09232-2","article-title":"Toward interpretable credit scoring: integrating explainable artificial intelligence with deep learning for credit card default prediction","volume":"36","author":"Talaat","year":"2024","journal-title":"Neural Computing and Applications"},{"issue":"9","key":"2025113011323103800_ref129","doi-asserted-by":"publisher","first-page":"437","DOI":"10.1108\/EJIM-02-2024-0114","article-title":"Digitally transforming the organization through knowledge management: a socio-technical system (STS) perspective","volume":"27","author":"Thomas","year":"2024","journal-title":"European Journal of Innovation Management"},{"issue":"7","key":"2025113011323103800_ref130","doi-asserted-by":"publisher","first-page":"1871","DOI":"10.1108\/JKM-07-2022-0574","article-title":"The effects of the COVID-19 pandemic for artificial intelligence practitioners: the decrease in tacit knowledge sharing","volume":"27","author":"Toscani","year":"2023","journal-title":"Journal of Knowledge Management"},{"issue":"1","key":"2025113011323103800_ref131","doi-asserted-by":"publisher","first-page":"785","DOI":"10.1007\/s11277-021-09158-9","article-title":"Credit scoring models using ensemble learning and classification approaches: a comprehensive survey","volume":"123","author":"Tripathi","year":"2022","journal-title":"Wireless Personal Communications"},{"key":"2025113011323103800_ref132","unstructured":"UNESCO\n           (2022), \u201cK-12 AI curricula: a mapping of government endorsed AI curricula\u201d, available at:\u00a0https:\/\/unesdoc.unesco.org\/ark:\/48223\/pf0000380602 (accessed\u00a016 December 2024)."},{"key":"2025113011323103800_ref133","unstructured":"US National Security Commission on AI\n           (2021), \u201cFinal report\u201d, available at:\u00a0https:\/\/www.nscai.gov\/2021-final-report\/(accessed\u00a016 December 2024)."},{"key":"2025113011323103800_ref134","volume-title":"Analyzing Banking Risk: A Framework for Assessing Corporate Governance and Risk Management","author":"Van Greuning","year":"2020"},{"issue":"4","key":"2025113011323103800_ref135","doi-asserted-by":"publisher","first-page":"1607","DOI":"10.1007\/s13347-021-00477-0","article-title":"Transparency and the Black box problem: why we do not trust AI","volume":"34","author":"Von Eschenbach","year":"2021","journal-title":"Philosophy and Technology"},{"key":"2025113011323103800_ref136","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2020.113925","article-title":"Utilizing historical data for corporate credit rating assessment","volume":"165","author":"Wang","year":"2021","journal-title":"Expert Systems with Applications"},{"issue":"1","key":"2025113011323103800_ref137","doi-asserted-by":"publisher","first-page":"377","DOI":"10.1016\/j.asoc.2008.04.014","article-title":"Fuzzy hierarchical TOPSIS for supplier selection","volume":"9","author":"Wang","year":"2009","journal-title":"Applied Soft Computing"},{"issue":"4","key":"2025113011323103800_ref138","first-page":"14","article-title":"The jobs that artificial intelligence will create","volume":"58","author":"Wilson","year":"2017","journal-title":"MIT Sloan Management Review"},{"issue":"1","key":"2025113011323103800_ref139","first-page":"103","article-title":"Artificial intelligence in cybersecurity","volume":"1","author":"Wirkuttis","year":"2017","journal-title":"Cyber, Intelligence, and Security"},{"issue":"7","key":"2025113011323103800_ref140","doi-asserted-by":"publisher","first-page":"1076","DOI":"10.1080\/14719037.2018.1549268","article-title":"An integrated artificial intelligence framework for public management","volume":"21","author":"Wirtz","year":"2019","journal-title":"Public Management Review"},{"issue":"4","key":"2025113011323103800_ref141","doi-asserted-by":"publisher","DOI":"10.1016\/j.giq.2022.101685","article-title":"Governance of artificial intelligence: a risk and guideline-based integrative framework","volume":"39","author":"Wirtz","year":"2022","journal-title":"Government Information Quarterly"},{"issue":"6","key":"2025113011323103800_ref142","doi-asserted-by":"publisher","first-page":"543","DOI":"10.1080\/10170660409509433","article-title":"Key quality performance evaluation using fuzzy AHP","volume":"21","author":"Yang","year":"2004","journal-title":"Journal of the Chinese Institute of Industrial Engineers"},{"issue":"1","key":"2025113011323103800_ref143","doi-asserted-by":"publisher","first-page":"57","DOI":"10.1108\/02635571311289665","article-title":"Optimal technology selection considering input levels of resource","volume":"113","author":"Yu","year":"2013","journal-title":"Industrial Management and Data Systems"},{"issue":"2","key":"2025113011323103800_ref144","doi-asserted-by":"publisher","first-page":"39","DOI":"10.31181\/oresta2003034z","article-title":"Modelling procedure for the selection of steel pipes supplier by applying fuzzy AHP method","volume":"3","author":"Zavadskas","year":"2020","journal-title":"Operational Research in Engineering Sciences: Theory and Applications"},{"key":"2025113011323103800_ref145","doi-asserted-by":"publisher","first-page":"168","DOI":"10.1016\/j.procs.2016.07.055","article-title":"Research on credit scoring by fusing social media information in online peer-to-peer lending","volume":"91","author":"Zhang","year":"2016","journal-title":"Procedia Computer Science"},{"key":"2025113011323103800_ref146","first-page":"60","article-title":"A novel credit scoring model based on optimized random forest","author":"Zhang","year":"2018"},{"issue":"3A","key":"2025113011323103800_ref147","doi-asserted-by":"publisher","first-page":"111","DOI":"10.24115\/s2446-6220202173a1386p.111-119","article-title":"Digital banking in the marketing mix and human resource management: improving the approach to the assessment as an innovative component","volume":"7","author":"Zherdetska","year":"2021","journal-title":"Laplage in Journal"},{"key":"2025113011323103800_ref148","doi-asserted-by":"publisher","first-page":"503","DOI":"10.1016\/j.procs.2019.12.017","article-title":"A study on predicting loan default based on the random forest algorithm","volume":"162","author":"Zhu","year":"2019","journal-title":"Procedia Computer Science"},{"key":"2025113011323103800_ref149","doi-asserted-by":"publisher","first-page":"312","DOI":"10.1002\/9781119080305.ch12","article-title":"Predicting credit ratings using a robust multicriteria approach","author":"Zopounidis","year":"2015","journal-title":"Quantitative Financial Risk Management: Theory and Practice"},{"key":"2025113011323103800_ref150","first-page":"1","article-title":"Could decision trees improve the classification accuracy and interpretability of loan granting decisions?","author":"Zurada","year":"2010"}],"container-title":["Business Process Management Journal"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/BPMJ-09-2024-0886\/full\/xml","content-type":"application\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/www.emerald.com\/bpmj\/article-pdf\/31\/5\/1703\/10087920\/bpmj-09-2024-0886en.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"syndication"},{"URL":"https:\/\/www.emerald.com\/bpmj\/article-pdf\/31\/5\/1703\/10087920\/bpmj-09-2024-0886en.pdf","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,11,30]],"date-time":"2025-11-30T16:32:42Z","timestamp":1764520362000},"score":1,"resource":{"primary":{"URL":"https:\/\/www.emerald.com\/bpmj\/article\/31\/5\/1703\/1252687\/Exploration-and-prioritization-of-crucial-factors"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2025,6,3]]},"references-count":153,"journal-issue":{"issue":"5","published-print":{"date-parts":[[2025,9,4]]}},"URL":"https:\/\/doi.org\/10.1108\/bpmj-09-2024-0886","relation":{},"ISSN":["1463-7154","1758-4116"],"issn-type":[{"value":"1463-7154","type":"print"},{"value":"1758-4116","type":"electronic"}],"subject":[],"published":{"date-parts":[[2025,6,3]]}}}