Sateesh Rao Pala. “AI-Driven Predictive Credit Management in SAP S 4HANA: A Quantitative Analysis of Implementation Benefits”. Journal of Computational Analysis and Applications (JoCAAA) 34, no. 11 (November 24, 2025): 638–647. Accessed August 11, 2026. https://www.eudoxuspress.com/index.php/pub/article/view/4206.