SAUGAT NAYAK. The Future of SME Lending: Innovations in Risk Assessment and Credit Scoring Models Using Machine Learning in Fintech. International Journal on Recent and Innovation Trends in Computing and Communication, [S. l.], v. 11, n. 9, p. 5627–5642, 2023. Disponível em: https://ijritcc.org/index.php/ijritcc/article/view/11285. Acesso em: 15 mar. 2026.