DAVIS BUNDI, Ntwiga,; PATRICK, Weke. Credit Scoring for M-Shwari using Hidden Markov Model. European Scientific Journal, ESJ, [S. l.], v. 12, n. 15, p. 176, 2016. DOI: 10.19044/esj.2016.v12n15p176. Disponível em: https://test.eujournal.org/index.php/esj/article/view/7499. Acesso em: 19 apr. 2025.