Evaluating model concordance in a multi-model binary scoring framework: feature-specific and sampling-driven agreement analyses using Kendall's tau rank correlation for credit risk assessment. - Fuat Kaan Mirza; Arif Selçuk Ögrenci; Ayse Hümeyra Bilge; Asli Togan; Chifaa Kardous; Btissam Hajjaoui; Berkay Çiçek; Burak Yüksel; Özden Gebizlioglu Özvural; Talat Kasimoglu (Neural Comput. Appl., 2026)