KHAERANI A, A. Optimasi Penilaian Risiko Kredit BNPL melalui Integrasi Algoritma K-Means Clustering dan Random Forest untuk Segmentasi Pengguna di Ekosistem Fintech. Indonesian Journal of Thousand Literacies, [S. l.], v. 1, n. 5, p. 721–736, 2025. DOI: 10.57254/ijtl.v1i5.80. Disponível em: https://ijtl.nindikayla.com/index.php/home/article/view/80. Acesso em: 22 may. 2026.