Kamlesh Kaur ,Dr. Priyanka Salgotra. “Artificial Intelligence and Credit Risk Assessment in Indian Commercial Banks: A Triangulated Study Integrating Employee Perceptions With Objective Performance Metrics ”. Journal of Computational Analysis and Applications (JoCAAA), vol. 33, no. 05, May 2024, pp. 3226-60, https://www.eudoxuspress.com/index.php/pub/article/view/4456.