Xu, Yixuan. “Intelligent Transformation of Non-Bank Mortgage Loan Business: Application of AI in Process Optimization and Risk Identification: Analysis Based on Australian Practice”. International Journal of Finance and Investment 5, no. 2 (April 30, 2026): 50–54. Accessed April 30, 2026. https://ijfi.net/index.php/ijfi/article/view/129.