DR. SAMUEL O. ADEBAYO. Data-Driven Credit Risk Management and Financial Stability in the Digital Era: Integrating Behavioral Analytics, FinTech Innovations, and Advanced Scoring Models. European International Journal of Multidisciplinary Research and Management Studies, [S. l.], v. 5, n. 09, p. 53–58, 2025. Disponível em: https://eipublication.com/index.php/eijmrms/article/view/3751. Acesso em: 15 feb. 2026.