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Author

Gulnaz Zakariya

Institution: Satbayev University
Observed institution: Satbayev University
ORCID: 0009-0001-7774-7634
Observed ORCID: 0009-0001-7774-7634
OpenAlex ID: A5120612242
Innovative Credit Scoring and Sales Accounting Solutions for SMEs in Kazakhstan
2025 · Gulnaz Zakariya, Olzhas Akylbekov, et al. · FinTech · 2
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An Explainable Hybrid AI Framework for Real-Time Point-of-Sale Credit Scoring
2026 · Gulnaz Zakariya, Aiman Moldagulova, et al. · AI · 1
Automatic Leak Detection in Pipelines Using Thermal Images from Fixed-Wing Drones and Convolutional Neural Networks
2026 · Olzhas Akylbekov, Gulnaz Zakariya, et al. · Transportation Research Record Journal of the Transportation Research Board
AI-Driven Hybrid Probability-of-Default Scoring with Self-Attention and Isotonic Calibration for Payroll-Anchored Retail Borrowers
2026 · Gulnaz Zakariya, Aiman Moldagulova, et al. · AI
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Big Data- and AI-Driven Hybrid Self-Attention Credit Scoring with Explainable Decisioning
2026 · Gulnaz Zakariya, Aiman Moldagulova, et al. · Big Data and Cognitive Computing
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A Semi-Supervised Ensemble Credit Scoring Model for Probability-of-Default Prediction in Digital Auto Loans
2026 · Gulnaz Zakariya, Olzhas Akylbekov, et al. · Procedia Computer Science
Works count: 6
Citation count: 3
H-index: 1
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