OUALID, A.; QASMAOUI, Y.; BALOUKI, Y.; ITRI, B.; MOUMOUN, L. Advancing Credit Risk Management in Open Banking with Enhanced Federated Averaging Algorithm. Engineering, Technology & Applied Science Research, Greece, v. 15, n. 3, p. 22573–22579, 2025. DOI: 10.48084/etasr.10266. Disponível em: https://mail.etasr.com/index.php/ETASR/article/view/10266. Acesso em: 22 may. 2026.