Harry Johnson, “Cloud-Based Scalable Models for Data Analytics and Financal Risk Assessment Using Machine Learning”, IJFIN, vol. 36, no. 5, pp. 1–5, Sep. 2023, Accessed: Dec. 11, 2025. [Online]. Available: https://ijfin.org/index.php/ijfin/article/view/IJFIN_36_05_001