Castillo, Sergio, Miguel Flores, and Giovanni Herrera. “Functional Data Analysis Applied to Financial Risk: A Case Study in Ecuadorian Credit Unions”. Latin-American Journal of Computing 4, no. 1 (July 12, 2017): 7. Accessed May 4, 2024. https://lajc.epn.edu.ec/index.php/LAJC/article/view/120.