The increasing popularity of digital twins, alongside the rapid evolution of connectivity driven by the Internet of Things, highlights their potential to greatly aid in the development of smart cities. Digital twins are employed more commonly as smart cities grow and societies become more...

Credit risk prediction for small and medium enterprises (SMEs) has long posed a complex research challenge. Traditional approaches have primarily focused on enterprise-specific variables, but these models often prove inadequate when applied to SMEs with incomplete data. In this innovative study,...