“Beyond FICO: Enhancing Mortgage Default Forecasting and Inclusive Lending via Multimodal Graph Neural Networks and Urban Mobility Analytics”. Frontiers in Computer Science and Artificial Intelligence 2, no. 2 (December 19, 2023): 62–81. Accessed April 29, 2026. https://al-kindipublishers.org/index.php/fcsai/article/view/12306.