Dr. Lukas Van der Meer. “Artificial Intelligence–Driven Credit Risk Governance and Real-Time Financial Decision-Making: Integrating Predictive Analytics, Cyber Risk, and Institutional Resilience in Contemporary Financial Systems”. European International Journal of Multidisciplinary Research and Management Studies, vol. 5, no. 10, Oct. 2025, pp. 129-37, https://eipublication.com/index.php/eijmrms/article/view/3820.