Akhmetova, Ardak; Shayakhmetova, Assem; Abdurakhmanov, … - In: Risks : open access journal 14 (2026) 2, pp. 1-15
statistical (correlation screening and ordinary least squares regression), probabilistic (Gaussian Naïve Bayes), and classical … coefficients (β ≈ 1.336 for the overdue 15+ days bucket, p < 10−22). The Naïve Bayes classifier provides a probabilistic early … the framework offers actionable insights for risk managers by identifying key risk drivers, providing probabilistic alarms …