Archana Todupunuri. GENERATIVE AI FOR PREDICTIVE CREDIT SCORING AND LENDING DECISIONS INVESTIGATING HOW AI IS REVOLUTIONISING CREDIT RISK ASSESSMENTS AND AUTOMATING LOAN APPROVAL PROCESSES IN BANKING. IJRCAIT. 2024;7(2):2162-2170. Accessed August 30, 2025. http://ijrcait.com/index.php/home/article/view/IJRCAIT_07_02_155