NWACHUKWU, Priscilla Samuel; CHIMA, Onyeka Kelvin; OKOLO, Chinelo Harriet. Credit Risk Assessment Models in Commercial Banking: Approaches, Evolution, and a Proposed Hybrid Risk Evaluation Framework. Engineering And Technology Journal, [S. l.], v. 10, n. 9, p. 7040–7063, 2025. DOI: 10.47191/etj/v10i09.22. Disponível em: https://www.everant.org/index.php/etj/article/view/2211. Acesso em: 28 sep. 2026.