Wandmacher R, Thorhauer Y, Sturm C, Driessen M, Soine D, Goerke T. A Global Comparison of Credit Bureaus Based on Data Utilization in Credit Scoring. IJBF [Internet]. 2024 Oct. 27 [cited 2026 Sep. 28];20(1):23-38. Available from: https://e-journal.uum.edu.my/index.php/ijbf/article/view/21898