“Intelligent Cash-Flow Stress Detection for Small and Medium-Sized Enterprises Using Financial Ratios and Payment-Delay Signals”. Journal of Intelligent Financial Systems and Autonomous Management 1, no. 1 (September 15, 2026): 1–9. Accessed October 7, 2026. https://landing.wrunion.org/ojs/index.php/jifsam/article/view/8.