O’CONNOR, Liam. AI-Based Credit Scoring Models for Smart Banking. International Journal of Artificial Intelligence & Digital Transformation, India., v. 6, n. 1, p. 01–13, 2023. DOI: 10.67228/30713315/IJAIDT-2023PI6RS29. Disponível em: https://worldcometresearchgroup.com/index.php/ijaidt/article/view/235. Acesso em: 28 jul. 2026.