MALHOTRA, Rohan. Cloud-Based AI Models for Credit Risk Assessment: A Scalable and Adaptive Approach. International Journal of Artificial Intelligence, Data Science, and Machine Learning, [S. l.], v. 2, n. 2, p. 11–21, 2021. DOI: 10.63282/3050-9262.IJAIDSML-V2I2P102. Disponível em: https://ijaidsml.org/index.php/ijaidsml/article/view/25. Acesso em: 10 oct. 2025.