Zhiming Song, and Huilin Mo. “Transformative Impacts of Big Data Technologies on the Credit Reporting Industry: Drivers, Challenges, and Future Trajectories”. Journal of Frontier in Economic and Management Research 1, no. 1 (September 15, 2025): 292–314. Accessed September 26, 2025. http://ojs.iajournals.cn/index.php/JFEMR/article/view/193.