THREE DECADES OF CREDIT RISK MANAGEMENT EVOLUTION: A SYSTEMATIC LITERATURE REVIEW ON MACHINE LEARNING INTEGRATION AND IFRS 9 FORWARD-LOOKING FRAMEWORKS. Center for Management Science Research, [S. l.], v. 4, n. 4, p. 542–558, 2026. Disponível em: https://cmsrjournal.com/index.php/Journal/article/view/933. Acesso em: 1 may. 2026.