@article{
  author = {Houshmand,  Sara, albadvi, Amir, Houshmand, Sara},
  title = {Credit Risk Prediction: An Application of Federated Learning},
  journal = {Journal of Information Systems and Telecommunication (JIST) },
  year = {2025},
  volume = {13},
  number = {50},
  pages = {154-164},
  doi = {10.61882/jist.49000.13.50.154}
}