“Intelligent Cash-Flow Stress Detection for Small and Medium-Sized Enterprises Using Financial Ratios and Payment-Delay Signals”, J. Intell. Financ. Syst. Auton. Manag., vol. 1, no. 1, pp. 1–9, Sep. 2026, Accessed: Oct. 07, 2026. [Online]. Available: https://landing.wrunion.org/ojs/index.php/jifsam/article/view/8