Ajay Kumar Punia, Arun Chaudhary. Optimizing Credit Limit Allocation via K-Nearest Neighbors: A Behavioral Risk Profiling Approach. JRTCSE. 2019;7(2):215-229. Accessed June 24, 2026. https://jrtcse.com/index.php/home/article/view/JRTCSE.2019.2.15