KOTADIYA, Uttam; ARORA, Amandeep Singh; YACHAMANENI, Thulasiram. Fintech Innovations in Credit Card Origination: A Multi-Stage Analysis of Algorithmic Lending Models. International Journal of Artificial Intelligence, Data Science, and Machine Learning, [S. l.], v. 4, n. 2, p. 91–100, 2023. DOI: 10.63282/3050-9262.IJAIDSML-V4I2P110. Disponível em: https://ijaidsml.org/index.php/ijaidsml/article/view/200. Acesso em: 10 mar. 2026.