DR. ADRIAN KOVALENKO. Algorithmic Credit Intelligence and Real-Time Risk Governance in Digital Lending Platforms. International Journal of Computer Science & Information System, [S. l.], v. 10, n. 12, p. 36–42, 2025. Disponível em: http://scientiamreearch.org/index.php/ijcsis/article/view/296. Acesso em: 7 mar. 2026.