@article{aninformationtheoreticframeworkforcredit,
  title = {An Information-Theoretic Framework for Credit Risk Modeling: Unifying Industry Practice with Statistical Theory for Fair and Interpretable Scorecards},
  author = {Agus Sudjianto and Denis Burakov},
  year = {2025},
  eprint = {2509.09855},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2509.09855},
}