A STUDY ON AI-BASED CREDIT SCORING MODELS. International Journal of Engineering Research and Science & Technology, [S. l.], v. 22, n. 3(1), p. 1441–1447, 2026. DOI: 10.5281/zenodo.21803482. Disponível em: https://ijerst.org/index.php/ijerst/article/view/4272. Acesso em: 21 sep. 2026.