Statistical Qualification for Approval of Commercial Credits through Generalized Additive Models. Latin-American Journal of Computing, [S. l.], v. 7, n. 1, p. 152–171, 2020. Disponível em: https://lajc.epn.edu.ec/index.php/LAJC/article/view/179. Acesso em: 8 oct. 2025.