KABIRU, Agboola, Olatoye. Predicting Loan Defaults Using Ensemble Machine Learning And Ai-Driven Credit Scoring Models: A Comparative Study. International Journal of Technology, Management and Humanities, [S. l.], v. 11, n. 01, p. 1–9, 2025. DOI: 10.21590/ijtmh.11.02.03. Disponível em: https://ijtmh.com/index.php/ijtmh/article/view/140. Acesso em: 13 apr. 2026.