Balcıoğlu, Yavuz Selim, Erkut Altındağ, and Turhan Karakaya. 2025. “Challenging Conventional Wisdom: Why Traditional Employ‎ment and Payment Behavioral Indicators Fail to Predict Financial Risk”. International Journal of Accounting and Economics Studies 12 (4): 585-97. https://doi.org/10.14419/bbyae562.