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Dong, G., Lai, K.K. and Yen, J. (2010) Credit Scorecard Based on Logistic Regression with Random Coefficients. Procedia Computer Science, 1, 2463-2468.
https://doi.org/10.1016/j.procs.2010.04.278
https://www.sciencedirect.com/science/article/pii/S1877050910002796

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