Ricci, Antonio. “Federated Learning in Cloud-Based Financial Applications: A Decentralized Approach to AI Training”. International Journal of AI, BigData, Computational and Management Studies 2, no. 4 (November 11, 2021): 1–9. Accessed September 14, 2025. https://ijaibdcms.org/index.php/ijaibdcms/article/view/32.