Wandmacher, Ralf, Yvonne Thorhauer, Christian Sturm, Mareike Driessen, Dominique Soine, and Tim Goerke. 2024. “A Global Comparison of Credit Bureaus Based on Data Utilization in Credit Scoring”. International Journal of Banking and Finance 20 (1): 23-38. https://doi.org/10.32890/ijbf2025.20.2.2.