Document is current

Article History

Received: 16 December 2025

Accepted: 20 April 2026

First Online: 16 May 2026

Declarations

:

: This study does not involve human participants, human biological material, or identifiable personal data. The research is based entirely on publicly available secondary datasets (Home Credit Default Risk dataset from Kaggle) and publicly accessible financial news and social media text data. No ethical approval was required in accordance with institutional and international research guidelines for studies using anonymized, publicly available data. Not applicable. This research does not involve direct participation of human subjects. All data used in the study were obtained from publicly available and anonymized sources.

: Not applicable. The manuscript does not contain any individual person’s data in any form (including individual details, images, or videos). All authors have reviewed and approved the manuscript and consent to its submission and publication.

: The authors declare no competing interests.