THE IMPACT OF AI-BASED CREDIT SCORING MODELS ON REDUCING LOAN DEFAULT RATES IN COMMERCIAL BANKS. Center for Management Science Research, [S. l.], v. 3, n. 6, p. 152–163, 2025. Disponível em: https://cmsrjournal.com/index.php/Journal/article/view/463. Acesso em: 24 oct. 2025.