GOPINATHAN RATHINAVELU. Early-Stage Consumer Credit Risk Detection Using Multimodal Deep Learning and Behavioral AI. International Journal of Computer Information Systems and Industrial Management Applications, [S. l.], v. 17, p. 1–27, 2025. DOI: 10.70917/ijcisim-2026-5900. Disponível em: https://cspub-ijcisim.org/index.php/ijcisim/article/view/5900. Acesso em: 10 oct. 2026.