TY JOUR TI Machine learning models for predicting credit risk in the banking sector KW credit risk KW customer financial behavior KW traditional scoring approaches KW logistic regression KW gradient boosting KW neural networks KW regulatory authorities JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Mischenko, T.L. AU Bel'skiy, A.E. AU Shmendel', M.E. PY 2026 IS 0 PB ITBO University