@article{aa4faf1a3982474ebf1723aafa49f22e,
title = "Low Financial Risk of Default and Productive Use of Assets Through Hidden Markov Models",
keywords = "bank solvency, delinquency, finance, financial risk, financial system, hidden Markov models, machine learning",
author = "Alexander Haro and Genaro Sandoval and Mar{\'i}a Rodr{\'i}guez and Victor Armijo and Ivonne Arana and William Vasquez and Elizabeth Proa{\~n}o and Amanda Mart{\'i}nez",
note = "Publisher Copyright: {\textcopyright} 2025 by the authors.",
year = "2025",
month = dec,
day = "1",
doi = "10.3390/risks13120230",
language = "English",
volume = "13",
journal = "Risks",
issn = "2227-9091",
publisher = "Multidisciplinary Digital Publishing Institute (MDPI)",
number = "12",
}