MALHOTRA, R.; MENON, K.; PATIL, S. MACHINE LEARNING-BASED CREDIT RISK MODELING IN RETAIL BANKING. International Journal For Research In Business, Management And Accounting , [S. l.], v. 10, n. 2, p. 34–40, 2024. Disponível em: https://ijrbma.com/index.php/bma/article/view/2486. Acesso em: 17 apr. 2026.