Foundation Models for Credit Risk Prediction: A Game Changer? - Bart Baesens; Andreas Goethals; Stefan Lessmann; Simon De Vos; Cristián Bravo; David Martens; Victor Medina-Olivares; Christophe Mues; María Óskarsdóttir; Seppe vanden Broucke; Tim Verdonck; Wouter Verbeke (CoRR, 2026)