“Federated and Privacy-Preserving Machine Learning for Uncertainty-Aware Credit Default Risk Prediction in Distributed Financial Systems”. International Journal of Clinical and Medical Sciences - IJCMS, vol. 2, no. 1, Mar. 2026, pp. 99-107, https://essayjournals.in/index.php/IJCMS/article/view/IJCMS_v2i1_10.