Huyen, Tran Thi Thuy, et al. “Uncovering the Latent Structure of Liquidity Risk Using Machine Learning Clustering Algorithms: Evidence from Vietnamese Commercial Banks”. Journal of Economic, Finance Research and Review, vol. 2, no. 03, Mar. 2026, pp. 148-5, https://doi.org/10.65150/EP-jefrr/V2E3/2026-02.