From Utility Bills to Retrofit Finance: An AI Framework for Energy-Burden-Aware Underwriting in Residential Decarbonization. Frontiers in Computer Science and Artificial Intelligence, [S. l.], v. 3, n. 2, p. 72–88, 2024. DOI: 10.32996/fcsai.2024.3.2.10. Disponível em: https://al-kindipublishers.org/index.php/fcsai/article/view/12374. Acesso em: 5 apr. 2026.