Siti Nur Illah, Nana Suarna, Irfan Ali, and Dodi Solihudin. “K-Means Clustering Method to Make Credit Payment Groupinhg Efficient”. Journal of Artificial Intelligence and Engineering Applications (JAIEA), vol. 4, no. 2, Feb. 2025, pp. 1074-83, doi:10.59934/jaiea.v4i2.815.