Members of the Windows 1.0 team at their 40-year reunion this week. L-R, kneeling/sitting: Joe Barello, Ed Mills, Tandy Trower, Mark Cliggett, Steve Ballmer (holding a Windows 1.0 screenshot) and Don ...

Credit risk assessment plays an important role in financial services by estimating the chance of a borrower defaulting. Recently, although the Large Language Models (LLMs) have demonstrated superior ...