Doan, G.B.N. et al. 2025. Building a new hybrid machine learning model for improvement insurance cross-sell prediction. Ho Chi Minh City Open University Journal of Science - Economics and Business Administration. 16, 1 (Sep. 2025), 93–111. DOI:https://doi.org/10.46223/HCMCOUJS.econ.en.16.1.4306.2026.