Shinta Palupi, Gunawan, Ririn Kusdyawati, Richki Hardi, Rana Zabrina. Predicting financial default risks: A machine learning approach using smartphone data. MATRIX [Internet]. 2024 Nov. 30 [cited 2024 Dec. 4];14(3):107-18. Available from: https://ojs2.pnb.ac.id/index.php/MATRIX/article/view/1917