A GLOBAL COMPARISON OF CREDIT BUREAUS BASED ON DATA UTILIZATION IN CREDIT SCORING. International Journal of Banking and Finance, [S. l.], v. 20, n. 1, p. 23–38, 2024. DOI: 10.32890/ijbf2025.20.2.2. Disponível em: https://www.educationmalaysia.co.uk/index.php/ijbf/article/view/21898. Acesso em: 10 nov. 2025.