SHINTA PALUPI; GUNAWAN; RIRIN KUSDYAWATI; RICHKI HARDI; RANA ZABRINA. Predicting financial default risks: A machine learning approach using smartphone data. Matrix : Jurnal Manajemen Teknologi dan Informatika, [S. l.], v. 14, n. 3, p. 107–118, 2024. DOI: 10.31940/matrix.v14i3.107-118. Disponível em: https://ojs2.pnb.ac.id/index.php/MATRIX/article/view/1917. Acesso em: 10 apr. 2025.