Rizky Pratama Santoso, “The Evolution ofFinancial Decision Engines: Integrating Algorithmic Credit Risk Management, Cryptocurrency Dynamics, And Propensity Analytics inThe Era ofBig Data”, ssms, vol. 6, no. 1, pp. 247–252, Jan. 2026, Accessed: Aug. 27, 2026. [Online]. Available: https://sciencebring.net/index.php/sqrd/article/view/129