{"id":"https://openalex.org/W7126040474","doi":"https://doi.org/10.1007/s10614-025-11247-x","title":"HMDL-GFNR: A Hybrid Multi-Stage Deep Learning Model with Graph-Based Financial Network Representation for Credit Risk Assessment","display_name":"HMDL-GFNR: A Hybrid Multi-Stage Deep Learning Model with Graph-Based Financial Network Representation for Credit Risk Assessment","publication_year":2026,"publication_date":"2026-01-29","ids":{"openalex":"https://openalex.org/W7126040474","doi":"https://doi.org/10.1007/s10614-025-11247-x"},"language":"en","primary_location":{"id":"doi:10.1007/s10614-025-11247-x","doi":"https://doi.org/10.1007/s10614-025-11247-x","is_oa":false,"landing_page_url":"https://doi.org/10.1007/s10614-025-11247-x","pdf_url":null,"source":{"id":"https://openalex.org/S98984247","display_name":"Computational Economics","issn_l":"0927-7099","issn":["0927-7099","1572-9974"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-b","anvur-class-a","anvur-scientific","cwts-core","dongbi-d","jufo-1","norway-1","poland-40","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319900","host_organization_name":"Springer Science+Business Media","host_organization_lineage":["https://openalex.org/P4310319900","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Science+Business Media","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Computational Economics","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5064217481","display_name":"Pulkit Dwivedi","orcid":"https://orcid.org/0000-0002-1301-8993","observed_orcids":["https://orcid.org/0000-0002-1301-8993"]},"institutions":[{"id":"https://openalex.org/I3129773123","display_name":"Bennett University","ror":"https://ror.org/00an5hx75","country_code":"IN","type":"education","lineage":["https://openalex.org/I3129773123"]}],"countries":["IN"],"is_corresponding":true,"raw_author_name":"Pulkit Dwivedi","raw_affiliation_strings":["School of Computer Science Engineering & Technology, Bennett University, Greater Noida, India"],"raw_orcid":"https://orcid.org/0000-0002-1301-8993","affiliations":[{"raw_affiliation_string":"School of Computer Science Engineering & Technology, Bennett University, Greater Noida, India","institution_ids":["https://openalex.org/I3129773123"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5124166345","display_name":"Benazir Islam","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I118118575","display_name":"New Jersey Institute of Technology","ror":"https://ror.org/05e74xb87","country_code":"US","type":"education","lineage":["https://openalex.org/I118118575"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Benazir Islam","raw_affiliation_strings":["New Jersey Institute of Technology, Newark, NJ, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"New Jersey Institute of Technology, Newark, NJ, USA","institution_ids":["https://openalex.org/I118118575"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5086544487","display_name":"Mansi Kajal","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210114149","display_name":"KR Mangalam University","ror":"https://ror.org/026b9sf88","country_code":"IN","type":"education","lineage":["https://openalex.org/I4210114149"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Mansi Kajal","raw_affiliation_strings":["K. R. Mangalam University, Gurugram, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"K. R. Mangalam University, Gurugram, India","institution_ids":["https://openalex.org/I4210114149"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5064217481"],"corresponding_institution_ids":["https://openalex.org/I3129773123"],"apc_list":{"value":3290,"currency":"USD","value_usd":3290},"apc_paid":null,"fwci":11.9088,"has_fulltext":false,"cited_by_count":2,"citation_normalized_percentile":{"value":0.96828106,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":95,"max":96},"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9980000257492065,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9980000257492065,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11273","display_name":"Advanced Graph Neural Networks","score":0.0007999999797903001,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-risk-assessment","display_name":"credit risk assessment","score":1.0},{"id":"https://openalex.org/keywords/loan-default-prediction","display_name":"loan default prediction","score":0.9750000238418579},{"id":"https://openalex.org/keywords/graph-neural-networks","display_name":"graph neural networks","score":0.8840000033378601},{"id":"https://openalex.org/keywords/catboost","display_name":"CatBoost","score":0.8659999966621399},{"id":"https://openalex.org/keywords/hybrid-deep-learning","display_name":"hybrid deep learning model","score":0.8339999914169312},{"id":"https://openalex.org/keywords/debtor-creditor-relations","display_name":"creditor-debtor relations","score":0.8080000281333923},{"id":"https://openalex.org/keywords/credit-networks","display_name":"credit networks","score":0.6790000200271606},{"id":"https://openalex.org/keywords/shap","display_name":"SHAP","score":0.9380000233650208},{"id":"https://openalex.org/keywords/attention-mechanism","display_name":"attention mechanism","score":0.6830000281333923},{"id":"https://openalex.org/keywords/credit-scoring","display_name":"credit scoring","score":0.9369999766349792}],"concepts":[{"id":"https://openalex.org/C2781067378","wikidata":"https://www.wikidata.org/wiki/Q17027399","display_name":"Interpretability","level":2,"score":0.8988999724388123},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7113000154495239},{"id":"https://openalex.org/C108583219","wikidata":"https://www.wikidata.org/wiki/Q197536","display_name":"Deep learning","level":2,"score":0.6123999953269958},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.6053000092506409},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.604200005531311},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.5943999886512756},{"id":"https://openalex.org/C2776760741","wikidata":"https://www.wikidata.org/wiki/Q25325235","display_name":"Financial networks","level":4,"score":0.5047000050544739},{"id":"https://openalex.org/C76073288","wikidata":"https://www.wikidata.org/wiki/Q1337875","display_name":"Financial risk","level":2,"score":0.46320000290870667},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.4401000142097473},{"id":"https://openalex.org/C95623464","wikidata":"https://www.wikidata.org/wiki/Q1096149","display_name":"Classifier (UML)","level":2,"score":0.39320001006126404},{"id":"https://openalex.org/C185798385","wikidata":"https://www.wikidata.org/wiki/Q1161707","display_name":"Benchmark (surveying)","level":2,"score":0.37689998745918274},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.3709999918937683},{"id":"https://openalex.org/C2776359362","wikidata":"https://www.wikidata.org/wiki/Q2145286","display_name":"Representation (politics)","level":3,"score":0.3546000123023987},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.35190001130104065},{"id":"https://openalex.org/C2778414658","wikidata":"https://www.wikidata.org/wiki/Q1409206","display_name":"Model risk","level":3,"score":0.34630000591278076},{"id":"https://openalex.org/C2780233690","wikidata":"https://www.wikidata.org/wiki/Q535347","display_name":"Transparency (behavior)","level":2,"score":0.3425999879837036},{"id":"https://openalex.org/C23925645","wikidata":"https://www.wikidata.org/wiki/Q5449731","display_name":"Financial modeling","level":2,"score":0.3422999978065491},{"id":"https://openalex.org/C144587487","wikidata":"https://www.wikidata.org/wiki/Q1369234","display_name":"Systemic risk","level":3,"score":0.3183000087738037},{"id":"https://openalex.org/C70153297","wikidata":"https://www.wikidata.org/wiki/Q5591907","display_name":"Gradient boosting","level":3,"score":0.3147999942302704},{"id":"https://openalex.org/C205208723","wikidata":"https://www.wikidata.org/wiki/Q372765","display_name":"Credit rating","level":2,"score":0.30630001425743103},{"id":"https://openalex.org/C191654821","wikidata":"https://www.wikidata.org/wiki/Q247506","display_name":"Financial instrument","level":2,"score":0.3001999855041504},{"id":"https://openalex.org/C12174686","wikidata":"https://www.wikidata.org/wiki/Q1058438","display_name":"Risk assessment","level":2,"score":0.2996000051498413},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2989000082015991},{"id":"https://openalex.org/C59404180","wikidata":"https://www.wikidata.org/wiki/Q17013334","display_name":"Feature learning","level":2,"score":0.2989000082015991},{"id":"https://openalex.org/C26517878","wikidata":"https://www.wikidata.org/wiki/Q228039","display_name":"Key (lock)","level":2,"score":0.296999990940094},{"id":"https://openalex.org/C155032097","wikidata":"https://www.wikidata.org/wiki/Q798503","display_name":"Backpropagation","level":3,"score":0.29600000381469727},{"id":"https://openalex.org/C30589699","wikidata":"https://www.wikidata.org/wiki/Q624028","display_name":"Credit default swap","level":3,"score":0.2924000024795532},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.28999999165534973},{"id":"https://openalex.org/C158154518","wikidata":"https://www.wikidata.org/wiki/Q7310970","display_name":"Relevance (law)","level":2,"score":0.28610000014305115},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.28220000863075256},{"id":"https://openalex.org/C132525143","wikidata":"https://www.wikidata.org/wiki/Q141488","display_name":"Graph","level":2,"score":0.27900001406669617},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.2712000012397766},{"id":"https://openalex.org/C169258074","wikidata":"https://www.wikidata.org/wiki/Q245748","display_name":"Random forest","level":2,"score":0.2709999978542328}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1007/s10614-025-11247-x","doi":"https://doi.org/10.1007/s10614-025-11247-x","is_oa":false,"landing_page_url":"https://doi.org/10.1007/s10614-025-11247-x","pdf_url":null,"source":{"id":"https://openalex.org/S98984247","display_name":"Computational Economics","issn_l":"0927-7099","issn":["0927-7099","1572-9974"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-b","anvur-class-a","anvur-scientific","cwts-core","dongbi-d","jufo-1","norway-1","poland-40","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319900","host_organization_name":"Springer Science+Business Media","host_organization_lineage":["https://openalex.org/P4310319900","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Science+Business Media","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Computational Economics","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":42,"referenced_works":["https://openalex.org/W1677182931","https://openalex.org/W2010061912","https://openalex.org/W2133772980","https://openalex.org/W2160797051","https://openalex.org/W2561309841","https://openalex.org/W2788025656","https://openalex.org/W2912851430","https://openalex.org/W2913377715","https://openalex.org/W2939378702","https://openalex.org/W3000463950","https://openalex.org/W3014951338","https://openalex.org/W3039998712","https://openalex.org/W3046045515","https://openalex.org/W3109446245","https://openalex.org/W3112378728","https://openalex.org/W3123223673","https://openalex.org/W3134447554","https://openalex.org/W3205154884","https://openalex.org/W3211795369","https://openalex.org/W3214665226","https://openalex.org/W4212941472","https://openalex.org/W4220910797","https://openalex.org/W4375945972","https://openalex.org/W4377003269","https://openalex.org/W4384072414","https://openalex.org/W4386620385","https://openalex.org/W4390583070","https://openalex.org/W4391265968","https://openalex.org/W4391364314","https://openalex.org/W4402510241","https://openalex.org/W4402547213","https://openalex.org/W4403697700","https://openalex.org/W4403755066","https://openalex.org/W4403905164","https://openalex.org/W4404940440","https://openalex.org/W4405123277","https://openalex.org/W4408498825","https://openalex.org/W4408609222","https://openalex.org/W4409165686","https://openalex.org/W4409536810","https://openalex.org/W4409536974","https://openalex.org/W4409702479"],"related_works":["https://openalex.org/W7125434276","https://openalex.org/W7133508076","https://openalex.org/W4210342290","https://openalex.org/W4406356512","https://openalex.org/W4409365994","https://openalex.org/W4402547213","https://openalex.org/W7161559754","https://openalex.org/W7124177086","https://openalex.org/W7159956396","https://openalex.org/W7124717656"],"abstract_inverted_index":null,"counts_by_year":[{"year":2026,"cited_by_count":2}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2026-01-30T00:00:00"}
