DR. ELIAS VAN DER MERWE. Algorithmic Creditworthiness and Financial Inclusion: Real-Time AI Credit Scoring under Conditions of Imperfect Information. International Journal of Management and Business Development, [S. l.], v. 2, n. 10, p. 37–42, 2025. Disponível em: https://aimjournals.com/index.php/ijmbd/article/view/447.. Acesso em: 14 jan. 2026.