“PREDICTING CUSTOMER CHURN IN DISTANCE LEARNING: A COMPARATIVE STUDY OF XGBOOST, BAGGING CLASSIFIER, AND SMOTE FOR ENHANCED MODEL PERFORMANCE AND GENERALIZATION” (2020) International Journal of Engineering Sciences & Management Research, 7(5), pp. 1–12. Available at: https://ijesmr.com/index.php/ijesmr/article/view/488 (Accessed: 4 February 2026).