Genetic Algorithms as an Alternative Method of Parameter Estimation and Finding Most Likely Sequences of States of Hidden Markov Chains for HMMs and Hybrid HMM/ANN Models. - Katarzyna Bijak (Fundam. Informaticae, 2008)

Kalman filtering as a performance monitoring technique for a propensity scorecard. - Katarzyna Bijak (J. Oper. Res. Soc., 2011)

Does segmentation always improve model performance in credit scoring? - Katarzyna Bijak; Lyn C. Thomas (Expert Syst. Appl., 2012)

Modelling LGD for unsecured retail loans using Bayesian methods. - Katarzyna Bijak; Lyn C. Thomas (J. Oper. Res. Soc., 2015)

Choosing where to set the threshold between low- and high-risk patients: Evaluating a classification tool within a simulation. - Christina E. Saville; Honora K. Smith; Katarzyna Bijak; Pauline Leonard (J. Oper. Res. Soc., 2023)