Adedoyin, Oluwatomisin Anthonia. “Strategic Applications of AI and ML in US SMEs: Risk Management and Customer Service Automation”. International Journal of Scientific Research and Modern Technology 4, no. 10 (October 30, 2025): 245–260. Accessed March 9, 2026. https://www.ijsrmt.com/index.php/ijsrmt/article/view/1287.