ODUNAIKE, Anjola. Credit Risk Dynamics in Digital Lending via Mobile Apps: An Empirical Analysis of Alternative Data Utilization for SME Financing in West Africa. International Journal of Technology, Management and Humanities, [S. l.], v. 6, n. 03-04, p. 60–73, 2020. DOI: 10.21590/ijtmh.06.3-4.06. Disponível em: https://ijtmh.com/index.php/ijtmh/article/view/186. Acesso em: 5 jun. 2026.