@article{financialriskassessmentvialongterm,
  title = {Financial Risk Assessment via Long-term Payment Behavior Sequence Folding},
  author = {Yiran Qiao and Yateng Tang and Xiang Ao and Qi Yuan and Ziming Liu and Chen Shen and Xuehao Zheng},
  year = {2024},
  eprint = {2411.15056},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2411.15056v1},
}