DR. ADRIAN KOVALENKO. Algorithmic Credit Intelligence and Real-Time Risk Governance in Digital Lending Platforms. Academic Reseach Library for International Journal of Computer Science & Information System, [S. l.], v. 10, n. 12, p. 36–42, 2025. Disponível em: https://colomboscipub.com/index.php/arlijcsis/article/view/108. Acesso em: 3 mar. 2026.