{"id":"https://openalex.org/W7141768560","doi":"https://doi.org/10.1007/s12351-026-01032-5","title":"A comparative review on AI empowered CRA process of banking and P2P lending models","display_name":"A comparative review on AI empowered CRA process of banking and P2P lending models","publication_year":2026,"publication_date":"2026-03-27","ids":{"openalex":"https://openalex.org/W7141768560","doi":"https://doi.org/10.1007/s12351-026-01032-5"},"language":"en","primary_location":{"id":"doi:10.1007/s12351-026-01032-5","is_oa":false,"landing_page_url":"https://doi.org/10.1007/s12351-026-01032-5","pdf_url":null,"source":{"id":"https://openalex.org/S140563256","display_name":"Operational Research","issn_l":"1109-2858","issn":["1109-2858","1866-1505"],"is_oa":false,"is_in_doaj":false,"is_core":true,"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":"Operational Research","raw_type":"journal-article"},"type":"article","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/A5028836056","display_name":"Nisha Arora","orcid":"https://orcid.org/0000-0002-8666-2165"},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Nisha Arora","raw_affiliation_strings":["GNDU Regional Campus, Jalandhar, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"GNDU Regional Campus, Jalandhar, India","institution_ids":[]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5064674736","display_name":"Pankaj Deep Kaur","orcid":"https://orcid.org/0000-0002-5755-8684"},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Pankaj Deep Kaur","raw_affiliation_strings":["GNDU Regional Campus, Jalandhar, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"GNDU Regional Campus, Jalandhar, India","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5028836056","https://openalex.org/A5064674736"],"corresponding_institution_ids":[],"apc_list":{"value":3190,"currency":"USD","value_usd":3190},"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.25378678,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"26","issue":"2","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":0.20409999787807465,"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":0.20409999787807465,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.19629999995231628,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"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/T13480","display_name":"Innovations and Analysis in Business and Education","score":0.051600001752376556,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/process","display_name":"Process (computing)","score":0.7161999940872192},{"id":"https://openalex.org/keywords/computational-intelligence","display_name":"Computational intelligence","score":0.34869998693466187},{"id":"https://openalex.org/keywords/business-intelligence","display_name":"Business intelligence","score":0.296099990606308}],"concepts":[{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.7161999940872192},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6442000269889832},{"id":"https://openalex.org/C195094911","wikidata":"https://www.wikidata.org/wiki/Q14167904","display_name":"Process management","level":1,"score":0.4595000147819519},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.3961000144481659},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.375900000333786},{"id":"https://openalex.org/C139502532","wikidata":"https://www.wikidata.org/wiki/Q1122090","display_name":"Computational intelligence","level":2,"score":0.34869998693466187},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.30309998989105225},{"id":"https://openalex.org/C2767350","wikidata":"https://www.wikidata.org/wiki/Q6662173","display_name":"Business intelligence","level":2,"score":0.296099990606308},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.28130000829696655},{"id":"https://openalex.org/C39549134","wikidata":"https://www.wikidata.org/wiki/Q133080","display_name":"Public relations","level":1,"score":0.2743000090122223},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.2703000009059906},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.25270000100135803}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1007/s12351-026-01032-5","is_oa":false,"landing_page_url":"https://doi.org/10.1007/s12351-026-01032-5","pdf_url":null,"source":{"id":"https://openalex.org/S140563256","display_name":"Operational Research","issn_l":"1109-2858","issn":["1109-2858","1866-1505"],"is_oa":false,"is_in_doaj":false,"is_core":true,"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":"Operational Research","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth","score":0.6173439621925354}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":152,"referenced_works":["https://openalex.org/W430137803","https://openalex.org/W1836875240","https://openalex.org/W1969434253","https://openalex.org/W1977009091","https://openalex.org/W1984533548","https://openalex.org/W2015954856","https://openalex.org/W2064186732","https://openalex.org/W2151040995","https://openalex.org/W2184721046","https://openalex.org/W2185712725","https://openalex.org/W2215139283","https://openalex.org/W2418170516","https://openalex.org/W2461391084","https://openalex.org/W2473172823","https://openalex.org/W2565473608","https://openalex.org/W2586297576","https://openalex.org/W2614275469","https://openalex.org/W2616541616","https://openalex.org/W2700766797","https://openalex.org/W2748025215","https://openalex.org/W2762385132","https://openalex.org/W2767268216","https://openalex.org/W2775211631","https://openalex.org/W2778590547","https://openalex.org/W2788294095","https://openalex.org/W2791132707","https://openalex.org/W2799673465","https://openalex.org/W2799791930","https://openalex.org/W2801811408","https://openalex.org/W2803273200","https://openalex.org/W2806857802","https://openalex.org/W2883746984","https://openalex.org/W2895142658","https://openalex.org/W2895960267","https://openalex.org/W2896170683","https://openalex.org/W2896388912","https://openalex.org/W2896796252","https://openalex.org/W2897138744","https://openalex.org/W2905025229","https://openalex.org/W2905156196","https://openalex.org/W2908173773","https://openalex.org/W2911964244","https://openalex.org/W2912185192","https://openalex.org/W2921451329","https://openalex.org/W2922729654","https://openalex.org/W2928439423","https://openalex.org/W2938597499","https://openalex.org/W2955992016","https://openalex.org/W2961766737","https://openalex.org/W2963116854","https://openalex.org/W2963186039","https://openalex.org/W2966139567","https://openalex.org/W2970752452","https://openalex.org/W2970989889","https://openalex.org/W2984062413","https://openalex.org/W2987213482","https://openalex.org/W2989861887","https://openalex.org/W2991396060","https://openalex.org/W2996921840","https://openalex.org/W2999553114","https://openalex.org/W3000599926","https://openalex.org/W3003224870","https://openalex.org/W3005734492","https://openalex.org/W3006498684","https://openalex.org/W3008516500","https://openalex.org/W3009205158","https://openalex.org/W3010882522","https://openalex.org/W3013460382","https://openalex.org/W3015337523","https://openalex.org/W3025163587","https://openalex.org/W3033755685","https://openalex.org/W3034563984","https://openalex.org/W3034942609","https://openalex.org/W3042203110","https://openalex.org/W3044291118","https://openalex.org/W3044323082","https://openalex.org/W3047674006","https://openalex.org/W3049037455","https://openalex.org/W3083961251","https://openalex.org/W3094089098","https://openalex.org/W3094559308","https://openalex.org/W3119611817","https://openalex.org/W3123893780","https://openalex.org/W3136492818","https://openalex.org/W3146887355","https://openalex.org/W3153243574","https://openalex.org/W3165824573","https://openalex.org/W3171016184","https://openalex.org/W3184048710","https://openalex.org/W3185736047","https://openalex.org/W3193930202","https://openalex.org/W3194730353","https://openalex.org/W3195029671","https://openalex.org/W3198090055","https://openalex.org/W3199930315","https://openalex.org/W3205154884","https://openalex.org/W3212596195","https://openalex.org/W3215237966","https://openalex.org/W3216502149","https://openalex.org/W4200109461","https://openalex.org/W4200236940","https://openalex.org/W4210777951","https://openalex.org/W4220985727","https://openalex.org/W4223538073","https://openalex.org/W4225320794","https://openalex.org/W4280514102","https://openalex.org/W4280574037","https://openalex.org/W4283733990","https://openalex.org/W4283775933","https://openalex.org/W4284990084","https://openalex.org/W4285390215","https://openalex.org/W4285588387","https://openalex.org/W4291183996","https://openalex.org/W4296079469","https://openalex.org/W4296162890","https://openalex.org/W4307135222","https://openalex.org/W4307804863","https://openalex.org/W4309570234","https://openalex.org/W4311691758","https://openalex.org/W4312157438","https://openalex.org/W4318016858","https://openalex.org/W4323546023","https://openalex.org/W4327748149","https://openalex.org/W4327814723","https://openalex.org/W4362603757","https://openalex.org/W4366779294","https://openalex.org/W4367057034","https://openalex.org/W4379229197","https://openalex.org/W4386520690","https://openalex.org/W4387686323","https://openalex.org/W4387826577","https://openalex.org/W4390583070","https://openalex.org/W4391364314","https://openalex.org/W4392133781","https://openalex.org/W4396773505","https://openalex.org/W4399575907","https://openalex.org/W4399914602","https://openalex.org/W4399942378","https://openalex.org/W4400486133","https://openalex.org/W4401011076","https://openalex.org/W4401283437","https://openalex.org/W4402025616","https://openalex.org/W4402038880","https://openalex.org/W4402666098","https://openalex.org/W4405877149","https://openalex.org/W4406444903","https://openalex.org/W4407081847","https://openalex.org/W4407252592","https://openalex.org/W4408252589","https://openalex.org/W4408543711","https://openalex.org/W4410031200","https://openalex.org/W4410076971"],"related_works":[],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2026-08-21T09:56:20.448147","created_date":"2026-03-28T00:00:00"}