@article{thetruendproceduretreatingtrailingzero,
  title = {The TruEnd-procedure: Treating trailing zero-valued balances in credit data},
  author = {Arno Botha and Tanja Verster and Roelinde Bester},
  year = {2024},
  eprint = {2404.17008},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2404.17008v3},
}