Akuji, I. I., Olanrewaju , A. B., Ahmed, T. A., Alabi , A. J., & Adeyemi, I. B. (2026). A comparative study of classical, bagging, and hybrid methods for optimizing loan default prediction. Computer Science and Information Technologies, 7(2), 179~195. https://doi.org/10.11591/csit.v7i2.p179~195