List of Articles Hojjat Tajik Article 1 - Presenting the smart pattern of credit risk of the real banks’ customers using machine learning algorithm. 10.22034/amfa.2022.1950520.1689 Hojjat Tajik Ghodratollah Talebnia Hamid Reza Vakili Fard Faegh Ahmadi Advances in Mathematical Finance and Applications , Issue 4 , Year , Autumn 2023