Abstract
The scope of commercial credit circuits are closely linked to the field of data analysis within a network flow, making it essential for such companies to employ state-of-the-art modeling techniques, performance evaluation methods, and algorithmic strategies in order to effectively achieve their primary objectives across economic, social, and environmental domains. In a similar context, Mountex functions as an innovative economic network that supports businesses in discovering new opportunities and fostering regional collaboration. The general objective of this study is to identify potential areas for performance improvement in commercial credit circuits across various dimensions, with a particular focus on enhancing their efficiency and productivity—specifically through leveraging the capabilities of the Mountex platform. Guided by this goal, we begin by reviewing fundamental concepts from graph theory, followed by the presentation of a matrix-based model for the Mountex system over a specific time interval. This model offers significant flexibility and serves as a foundation for generating reliable predictions regarding the future state of the Mountex network. Subsequently, we outline the key challenges currently facing Mountex, particularly in relation to performance evaluation, incentive mechanisms, knowledge transfer, and sustainability assessment. Simultaneously, several potential solutions are proposed, each of which may serve as a direction for improving not only Mountex but also any commercial credit circuit operating under similar conditions.