Rizky Pratama Santoso. “The Evolution of Financial Decision Engines: Integrating Algorithmic Credit Risk Management, Cryptocurrency Dynamics, And Propensity Analytics in The Era of Big Data”. Sciencebring Scientific and Management Studies 6, no. 1 (January 31, 2026): 247–252. Accessed August 27, 2026. https://sciencebring.net/index.php/sqrd/article/view/189.