%0 Journal Article %T Machine learning models for predicting credit risk in the banking sector %A Mischenko, T.L. %A Bel'skiy, A.E. %A Shmendel', M.E. %K credit risk, customer financial behavior, traditional scoring approaches, logistic regression, gradient boosting, neural networks, regulatory authorities %J JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT %D 2026 %N 0 %P 5 %I ITBO University