Credit scoring model based on Baum-Welch method. - Badreddine Benyacoub; Souad El Bernoussi; Abdelhak Zoglat (AICCSA, 2013)

Building classification models for customer credit scoring. - Badreddine Benyacoub; Souad El Bernoussi; Abdelhak Zoglat (GOL, 2014)

Initial Model Selection for the Baum-Welch Algorithm Applied to Credit Scoring. - Badreddine Benyacoub; Ismail El Moudden; Souad El Bernoussi; Abdelhak Zoglat; Mohamed Ouzineb (MCO (2), 2015)

Modeling Human Behavior Using Feature Extraction and Class Prediction. - Ismail El Moudden; Badreddine Benyacoub; Souad El Bernoussi; Mounir Ouzir (CSE/EUC/DCABES, 2016)

A Variable Neighborhood Search Algorithmic Approach for Estimating MDHMM Parameters and Application in Credit Risk Evaluation for Online Peer-to-Peer (P2P) Lending. - Monir El Annas; Mohamed Ouzineb; Badreddine Benyacoub (ICVNS, 2019)

Semi-supervised adapted HMMs for P2P credit scoring systems with reject inference. - Monir El Annas; Badreddine Benyacoub; Mohamed Ouzineb (Comput. Stat., 2023)