BASHEER AHAMED, A. Risk Management in BNPL Systems: Leveraging Machine Learning for Credit Scoring. International Journal of AI, BigData, Computational and Management Studies, [S. l.], v. 7, n. 3, p. 49–58, 2026. DOI: 10.63282/3050-9416.IJAIBDCMS-V7I3P106. Disponível em: https://ijaibdcms.org/index.php/ijaibdcms/article/view/639. Acesso em: 4 aug. 2026.