Zhen Feng, Dongchen Yuan, and Dingyuan Zhang, “Textual Analysis of Earnings Calls for Predictive Risk Assessment: Evidence from Banking Sector”, JACS, vol. 3, no. 5, pp. 90–104, May 2023, Accessed: Sep. 05, 2026. [Online]. Available: https://ciajournal.com/index.php/JACS/article/view/176