GONZALES, Samantha; SANTOS, Luis; VILLANUEVA, Andres. Fintech for Inclusion or Exclusion? The Impact of Digital Credit Scoring Algorithms on Access to Finance for the Urban Poor. Journal of Social Science Utilizing Technology, [S. l.], v. 3, n. 6, p. 310–321, 2025. DOI: 10.70177/jssut.v3i6.2906. Disponível em: https://research.adra.ac.id/index.php/jssut/article/view/2906. Acesso em: 4 aug. 2026.