To cite package ‘AFR’ in publications use: Abilkassymov T, Shuneyev S, Makhmetova A, Zhaparov S (2026). _AFR: Toolkit for Regression Analysis of Kazakhstan Banking Sector Data_. R package version 0.3.9, . A BibTeX entry for LaTeX users is @Manual{, title = {AFR: Toolkit for Regression Analysis of Kazakhstan Banking Sector Data}, author = {Timur Abilkassymov and Shyngys Shuneyev and Alua Makhmetova and Sultan Zhaparov}, year = {2026}, note = {R package version 0.3.9}, url = {https://CRAN.R-project.org/package=AFR}, }