Mehta D. RECENT ADVANCES AND CHALLENGES IN AI-BASED CREDIT SCORING MODELS: A SURVEY ON FAIRNESS AND BIAS MITIGATION IN FINANCIAL. JGRMA [Internet]. 2025 Oct. 8 [cited 2025 Nov. 28];12(10):01-10. Available from: https://jgrma.com/index.php/jgrma/article/view/660