@article{Lessmann2015,
  author    = {Lessmann, Stefan and Baesens, Bart and Seow, Hsin-Vonn and Thomas, Lyn C.},
  title     = {Benchmarking state-of-the-art classification algorithms for credit scoring: An update of research},
  journal   = {European Journal of Operational Research},
  volume    = {247},
  number    = {1},
  pages     = {124--136},
  year      = {2015},
  doi       = {10.1016/j.ejor.2015.05.030},
  publisher = {Elsevier}
}

@misc{matkowski2021,
  title={Prediction of individual income: A machine learning approach},
  author={Matkowski, Michael},
  year={2021}
}

@book{jo2024income,
  title={Income Prediction Using Machine Learning Techniques},
  author={Jo, Kahyun},
  year={2024},
  publisher={University of California, Los Angeles}
}

@article{jafari2025selecting,
  title={Selecting the best way to forecast income in the banking industry using data mining methods, a case study},
  author={Jafari, Alireza and Aghsami, Amir and Rabbani, Masoud},
  journal={OPSEARCH},
  volume={62},
  number={3},
  pages={1383--1422},
  year={2025},
  publisher={Springer}
}

@article{chang2024credit,
  title={Credit risk prediction using machine learning and deep learning: A study on credit card customers},
  author={Chang, Victor and Sivakulasingam, Sharuga and Wang, Hai and Wong, Siu Tung and Ganatra, Meghana Ashok and Luo, Jiabin},
  journal={Risks},
  volume={12},
  number={11},
  pages={174},
  year={2024},
  publisher={MDPI}
}

@inproceedings{xiong2022income,
  title={Income Prediction of Urban and Rural Residents Based on BP in Digital Economy},
  author={Xiong, Ling},
  booktitle={2022 6th Asian Conference on Artificial Intelligence Technology (ACAIT)},
  pages={1--6},
  year={2022},
  organization={IEEE}
}

@article{king2011basel,
  title={Basel III: an overview},
  author={King, Peter and Tarbert, Heath},
  journal={Banking \& financial services policy report},
  volume={30},
  number={5},
  pages={1--18},
  year={2011}
}

@techreport{hayatfinans2024,
  title        = {2024 Faaliyet Raporu},
  author       = {{Hayat Finans Katılım Bankası A.Ş.}},
  institution  = {Hayat Finans Katılım Bankası A.Ş.},
  year         = {2024},
  address      = {İstanbul, Türkiye},
  note         = {Erişim adresi: \url{https://www.hayatfinans.com.tr}},
}

@misc{pwcWorldwideSummaries,
	author = {{PricewaterhouseCoopers (PwC)}},
	title = { {W}orldwide {T}ax {S}ummaries {O}nline  --- taxsummaries.pwc.com},
	howpublished = {\url{taxsummaries.pwc.com}},
	year = {2025},
	note = {[Accessed 23-10-2025]},
}

@book{Kallergis2022,
  title={Housing affordability in a global perspective},
  author={Kallergis, Achilles and Angel, Shlomo and Liu, Yang and Blei, Alejandro M and Sanchez, N and Lamson-Hall, Patrick},
  year={2022},
  publisher={Lincoln Institute of Land Policy.}
}

@book{Herbert2018,
  title={Measuring housing affordability: Assessing the 30 percent of income standard},
  author={Herbert, Christopher and Hermann, Alexander and McCue, Daniel},
  year={2018},
  publisher={Joint Center for Housing Studies of Harvard University}
}

@techreport{BIS2011BaselIII,
  title        = {Basel III: A Global Regulatory Framework for More Resilient Banks and Banking Systems},
  author       = {{Basel Committee on Banking Supervision}},
  institution  = {Bank for International Settlements},
  address      = {Basel, Switzerland},
  year         = {2011},
  month        = {June},
  note         = {Revised version of the December 2010 publication},
  url          = {https://www.bis.org/basel_framework/},
  isbn         = {92-9131-859-0},
  abstract     = {This document presents the Basel Committee’s reforms to strengthen global capital and liquidity rules with the goal of promoting a more resilient banking sector. It includes the finalized Basel III framework covering capital adequacy, leverage, and liquidity standards.}
}

@misc{BDDK2022,
  title        = {Dijital Bankaların Faaliyet Esasları ile Servis Modeli Bankacılığı Hakkında Yönetmelik},
  author       = {{Bankacılık Düzenleme ve Denetleme Kurumu (BDDK)}},
  howpublished = {Resmî Gazete},
  year         = {2022},
  month        = {January},
  day          = {1},
  note         = {Resmî Gazete No: 31735},
  url          = {https://www.resmigazete.gov.tr/eskiler/2022/01/20220101-2.htm},
  abstract     = {Bu yönetmelik, dijital bankaların faaliyet esaslarını ve servis modeli bankacılığı uygulamalarına ilişkin usul ve esasları belirler. 5411 sayılı Bankacılık Kanunu’na dayanılarak hazırlanmıştır.}
}

@misc{HayatFinans2024Faaliyet,
  title        = {Hayat Finans Katılım Bankası A.Ş. 2024 Yılı Faaliyet Raporu},
  author       = {{Hayat Finans Katılım Bankası A.Ş.}},
  howpublished = {Yıllık Faaliyet Raporu},
  year         = {2025},
  month        = {March},
  note         = {01.01.2024–31.12.2024 dönemine ait Hayat Finans Katılım Bankası’nın yıllık faaliyet raporudur.},
  url          = {https://www.hayatfinans.com.tr},
  abstract     = {Bu rapor, Hayat Finans Katılım Bankası’nın 2024 yılı boyunca gerçekleştirdiği faaliyetler, finansal performans, kurumsal yönetim uygulamaları ve sürdürülebilirlik stratejileri hakkında bilgi sunmaktadır.}
}

@misc{emlak360,
	author = {sahibinden.com},
	title = {emlak endeksi},
	howpublished = {\url{https://www.sahibinden.com/emlak360/emlak-endeksi}},
	year = {2025},
	note = {[Accessed 24-10-2025]},
}