Beyond FICO: Enhancing Mortgage Default Forecasting and Inclusive Lending via Multimodal Graph Neural Networks and Urban Mobility Analytics. Frontiers in Computer Science and Artificial Intelligence, [S. l.], v. 2, n. 2, p. 62–81, 2023. DOI: 10.32996/fcsai.2023.2.2.5. Disponível em: https://al-kindipublishers.org/index.php/fcsai/article/view/12306. Acesso em: 29 apr. 2026.