AI-DRIVEN CREDIT RISK ASSESSMENT FOR SMES: A FRAMEWORK FOR FINANCIAL INCLUSION AND RESPONSIBLE INNOVATION. Center for Management Science Research, [S. l.], v. 3, n. 3, p. 1177–1186, 2025. Disponível em: https://cmsrjournal.com/index.php/Journal/article/view/509. Acesso em: 27 jun. 2026.