Zhao Jingong, Namira Ufrida Rahmi, and Ayu Andari. “Constructing Financial Trust in AI-Enabled Digital Credit Information Systems: A Grounded Theory of SME Adoption Under Algorithmic Opacity”. International Journal of Computer Information Systems and Industrial Management Applications 18, no. 15s (August 8, 2026): 719–726. Accessed September 8, 2026. https://cspub-ijcisim.org/index.php/ijcisim/article/view/4467.