DR. ALI JAN; DR. NAEEM AHMED. AI-Driven Credit Risk Assessment and Financial Inclusion in Emerging Markets: Evidence from Pakistani Firms. Spectrum of Engineering Sciences, [S. l.], v. 3, n. 12, p. 414–425, 2025. Disponível em: https://www.thesesjournal.com/index.php/1/article/view/1663. Acesso em: 7 nov. 2026.