DR. ALEJANDRO M. CORTÉS. Artificial Intelligence–Driven Credit Scoring and Real-Time Risk Analytics in Digital Lending Platforms: Theoretical Foundations, Regulatory Tensions, and Financial Inclusion Implications. International Journal of Advance Scientific Research, [S. l.], v. 5, n. 10, p. 183–191, 2025. Disponível em: https://sciencebring.com/index.php/ijasr/article/view/1081. Acesso em: 16 jan. 2026.