احمدی، م.، رضایی، الف.، و حسینی، ج. (۱۴۰۱). بررسی تأثیر بازاریابی دیجیتال بر بهبود تجربه مشتریان بانکهای خصوصی ایران. فصلنامه تحقیقات بازاریابی نوین، ۱۳(۲)، ۵۱-۷۰.
موسوی، س.، و جعفری، ک. (۱۴۰۰). نقش فناوری واقعیت مجازی در ارتقاء تجربه مشتریان در فروشگاههای اینترنتی. فصلنامه مدیریت فناوری اطلاعات، ۱۲(۳)، ۸۳-۱۰۲.
رجبی، پ.، نادری، م.، و شریفی، ع. (۱۳۹۹). تحلیل تطبیقی روشهای گیمیفیکیشن در وفاداری مشتریان بانکداری الکترونیک. فصلنامه پژوهشهای مدیریت بازرگانی، ۲۲(۴)، ۱۰۵-۱۲۶.
صفری، ن.، و صادقی، ه. (۱۳۹۸). بررسی تأثیر بازاریابی مبتنی بر دادههای کلان بر جذب مشتریان جدید. فصلنامه بازاریابی پیشرفته، ۹(۱)، ۴۱-۵۸.
کیانی، ل.، و بابایی، د. (۱۳۹۷). بازاریابی حسی و نقش آن در ارتقای تجربه خرید مشتریان فروشگاههای زنجیرهای. فصلنامه مطالعات رفتار مصرفکننده، ۷(۲)، ۷۷-۹۶.
Altman, E. I. (1968). Financial Ratios, Discriminant Analysis and the Prediction of Corporate Bankruptcy. The Journal of Finance, 23(4), 589–609. https://doi.org/10.2307/2978933
Anderson, R. (2007). The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation. Oxford University Press.
Baesens, B., Setiono, R., Mues, C., & Vanthienen, J. (2003). Using Decision Trees for Credit Risk Modeling and Customer Profiling. Management Science, 49(5), 621–635. https://doi.org/10.1287/mnsc.49.5.621.15149
Basel Committee on Banking Supervision. (2020).
Credit risk and COVID-19: Supervisory implications and response measures. Bank for International Settlements.
https://www.bis.org
Beck, T., Demirguc-Kunt, A., & Maksimovic, V. (2005). Financial and Legal Constraints to Firm Growth: Does Firm Size Matter?. Journal of Finance, 60(1), 137–177. https://doi.org/10.1111/j.1540-6261.2005.00727.x
Berger, A. N., & Udell, G. F. (2006). A More Complete Conceptual Framework for SME Finance. Journal of Banking & Finance, 30(11), 2945–2966. https://doi.org/10.1016/j.jbankfin.2006.05.008
Board of Governors of the Federal Reserve System. (2011). Supervisory Guidance on Model Risk Management (SR 11-7).
Breiman, L. (2001). Random Forests. Machine Learning, 45, 5–32. https://doi.org/10.1023/A:1010933404324
Cowling, M., Liu, W., Ledger, A., & Zhang, N. (2018). What really happens to small and medium-sized enterprises in a global economic recession?. Regional Studies, 52(9), 1291–1302. https://doi.org/10.1080/00343404.2018.1447768
Crosbie, P., & Bohn, J. (2003). Modeling Default Risk. Moody’s KMV.
Diamond, D. W. (1984). Financial Intermediation and Delegated Monitoring. Review of Economic Studies, 51(3), 393–414. https://doi.org/10.2307/2297430
Fernandez, R., & Lee, J. (2024). Supply Chain Financing: Bank-Enabled Solutions for SMEs. Journal of Supply Chain Management, 60(1), 22–41.
Friedman, J. H. (2001). Greedy Function Approximation: A Gradient Boosting Machine. Annals of Statistics, 29(5), 1189–1232. https://doi.org/10.1214/aos/1013203451
Gelsomino, L. M., Mangiaracina, R., Perego, A., & Tumino, A. (2016). Supply chain finance: A literature review. International Journal of Physical Distribution & Logistics Management, 46(4), 348–366. https://doi.org/10.1108/IJPDLM-08-2015-0171
Gonzalez, R., & Schmidt, C. (2024). Blockchain and AI-Based Innovations in Supply Chain Finance: A New Era for SMEs. Journal of Financial Innovation, 8(2), 112–133.
Goodfellow, I., Bengio, Y., & Courville, A. (2016). Deep Learning. MIT Press.
Hand, D. J., & Henley, W. E. (1997). Statistical Classification Methods in Consumer Credit Scoring: A Review. Journal of the Royal Statistical Society: Series A (Statistics in Society), 160(3), 523–541. https://doi.org/10.1111/j.1467-985X.1997.00078.x
Hofmann, E., & Kotzab, H. (2010). A Supply Chain-Oriented Approach of Working Capital Management. Journal of Business Logistics, 31(2), 305–330. https://doi.org/10.1002/j.2158-1592.2010.tb00154.x
Huang, C.-L., Chen, M.-C., & Wang, C.-J. (2004). Credit Scoring with a Data Mining Approach Based on Support Vector Machines. Expert Systems with Applications, 27(4), 623–633. https://doi.org/10.1016/j.eswa.2004.05.002
Jiang, Z., & Carter, C. R. (2025). SME Financing Challenges and Innovative Solutions: The Role of Big Data and FinTech. Journal of Business Logistics, 46(1), 65–82.
Karlan, D., & Valdivia, M. (2011). Teaching Entrepreneurship: Impact of Business Training on Microfinance Clients and Institutions. Review of Economics and Statistics, 93(2), 510–527. https://doi.org/10.1162/REST_a_00074
Klein, P. G., Mahoney, J. T., McGahan, A. M., & Pitelis, C. N. (2024). Resources, Capabilities, and Routines in Small and Medium Enterprises. Strategic Management Journal, 45(1), 23–45.
Lee, C., & Wang, H. (2025). Leveraging Big Data and Machine Learning for Supply Chain Finance Risk Assessment. Journal of Supply Chain Finance, 12(1), 77–98.
Li, X., Jiang, P., Chen, T., Luo, X., & Wen, Q. (2019). Credit Evaluation System Based on Blockchain for Multiple Stakeholders in Supply Chain Finance. International Journal of Information Management, 51, 102036. https://doi.org/10.1016/j.ijinfomgt.2019.05.003
Martin, J., & Hofmann, E. (2017). Supply Chain Finance Solutions Reconsidered: The Interconnectedness of Financial Flows and Supply Chain Operations. Journal of Business Logistics, 38(1), 16–25. https://doi.org/10.1111/jbl.12134
More, D., & Basu, P. (2013). Challenges of Supply Chain Finance: A Detailed Study and a Hierarchical Model Based on the Experiences of an Indian Firm. Business Process Management Journal, 19(4), 624–647. https://doi.org/10.1108/BPMJ-09-2012-0093
Murphy, W. H., & Thomson, B. (2024). Legal and Compliance Challenges in Cross-Border Supply Chain Finance. Journal of International Business Law, 8(1), 34–59.
Ohlson, J. A. (1980). Financial Ratios and the Probabilistic Prediction of Bankruptcy. Journal of Accounting Research, 18(1), 109–131. https://doi.org/10.2307/2490395
Patel, D., & Brown, S. (2025). Improving Collaboration and Liquidity through Supply Chain Financing. International Journal of Logistics Management, 36(1), 119–138.
Petersen, M. A., & Rajan, R. G. (1997). Trade Credit: Theories and Evidence. Review of Financial Studies, 10(3), 661–691. https://doi.org/10.1093/rfs/10.3.661
Pfohl, H. C., & Gomm, M. (2009). Supply Chain Finance: Optimizing Financial Flows in Supply Chains. Logistics Research, 1(3-4), 149–161. https://doi.org/10.1007/s12159-009-0020-y
Schneider, S., & Müller, J. (2024). SME Financing: New Trends and Future Directions. Small Business Economics, 62(2), 387–408.
Sullivan, R., & Cromwell, M. (2022). The ESG Imperative: Integrating Environmental, Social, and Governance Factors in Credit Risk Assessment. Journal of Sustainable Finance & Investment, 12(1), 1–18. https://doi.org/10.1080/20430795.2020.1813465
Tanaka, M., & Rossi, M. (2024). The Role of Banks in Facilitating Supply Chain Finance: Challenges and Opportunities. Journal of Banking Regulation, 25(2), 134–152.
West, D. (2000). Neural Network Credit Scoring Models. Computers & Operations Research, 27(11-12), 1131–1152. https://doi.org/10.1016/S0305-0548(99)00149-5
Wuttke, D. A., Blome, C., Heese, H. S., & Protopappa-Sieke, M. (2019). Supply Chain Finance: Optimal Introduction and Adoption Decisions. International Journal of Production Economics, 216, 452–465. https://doi.org/10.1016/j.ijpe.2019.05.001
Zhang, Y., & Ali, S. (2024). Big Data Analytics and Blockchain for Improved Credit Risk Assessment in Supply Chains. International Journal of Production Research, 62(5), 1554–1571.
Zhou, Z. H., Wu, J., & Tang, W. (2020). Bayesian Network Approaches for Credit Risk Modeling in Supply Chains. Decision Support Systems, 131, 113247. https://doi.org/10.1016/j.dss.2020.113247.
