فهرست مقالات سارا هوشمند مقاله 1 - Credit Risk Prediction: An Application of Federated Learning 10.61186/jist.49000.13.50.154 Sara Houshmand Amir albadvi Journal of Information Systems and Telecommunication (JIST) , شماره 2 , سال 13 , بهار 2025
