@inproceedings{zenginoglu-etal-2026-financials,
    title = "Same Financials, Different Identity: A Counterfactual Audit of Demographic Sensitivity in {LLM}-Based Credit-Risk Scoring",
    author = "Zengino{\u{g}}lu, Mustafa Furkan  and
      Kara, Zeynep Beyda  and
      Durkaya, Hasan Fatih  and
      Haklidir, Mehmet  and
      {\c{C}}akar, Tuna",
    editor = "Huang, Jimin  and
      Lee, Yongjae  and
      Ananiadou, Sophia  and
      Chen, Hsin-Hsi  and
      Takamura, Hiroya  and
      Chen, Chung-Chi",
    booktitle = "Proceedings of the 11th Workshop on Financial Technology and Natural Language Processing",
    month = oct,
    year = "2026",
    address = "Budapest, Hungary",
    publisher = "Association for Computational Linguistics",
    url = "https://aclanthology.org/2026.finnlp-1.25/",
    pages = "313--331",
    ISBN = "979-8-89176-466-8"
}