SAZU, M. H. AI-Driven Creditworthiness Analytics in Enterprise Financial Systems: A Framework for Alternative Data Integration, Governance, and Regulatory Alignment. IPHO-Journal of Advance Research in Science And Engineering , [S. l.], v. 4, n. 5, p. 01–07, 2026. DOI: 10.5281/zenodo.20410547. Disponível em: http://iphopen.org/index.php/se/article/view/459. Acesso em: 24 jun. 2026.