1.
Data-Driven Early-Warning Indicators of Small-Business Financial Distress: Integrating Operational, Transactional, and Credit Data for Decision Support in SMEs. TMS [Internet]. 2025 Dec. 13 [cited 2026 Sept. 22];3(4):53-65. Available from: https://ijmcjournal.com/index.php/TMS/article/view/423