IOSR-JEF   Volume-17 ~ Issue-1 ~ Jan. – Feb. 2026

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[1]. Ashta, A. (2023). Solutions Through Fintech: Mobile Money And Peer-To-Peer Lending. Journal Of Fintech Innovations, 15(3), 45–59.
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[1]. Adam, L., Sarana, J., Suyatno, B., Soekarni, M., Suryanto, J., Ermawati, T., Saptia, Y., Adityawati, S., Mychelisda, E., Pamungkas, Y., Abdillah, M. R. N., Angelia, L., & Thoha, M. (2025). Driving Financial Inclusion In Indonesia With Innovative Credit Scoring. Journal Of Risk And Financial Management, 18(8), 442. Https://Doi.Org/10.3390/Jrfm18080442
[2]. Adedeji Olowe, James Kunle Olorundare, Temitope Phillips. (2021). Using Open Apis To Drive Financial Inclusion Via Credit Scoring Built On Telecoms Data. International Journal On Data Science And Technology (Volume 7, Issue 1).
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[3]. Adeleke, Adams & Sanyaolu, Temitope & Efunniyi, Christianah & Akwawa, Lucy & Azubuko, Francisca. (2024). ` API Integration In Fintech: Challenges And Best Practices. 10.51594/Farj.V6i8.1506.
[4]. Adetunji Adejumo Paul And Chinonso Ogburie. (2025). The Role Of AI In Preventing Financial Fraud And Enhancing Compliance. GSC Advanced Research And Reviews, 22(03), 269-282. DOI: Https://Doi.Org/10.30574/Gscarr.2025.22.3.0086

[1]. Accountingcpd. (2025). Ethical Issues With AI. Accountingcpd. Https://Www.Accountingcpd.Net/Ethical_Issues_With_AI
[2]. Adewuyi, Ademola & Nwangele, Chigozie & Oladuji, Tolulope Joyce & Akintobi, Abiola. (2023). Advances In Machine Learning For Credit Risk And Underwriting Automation: Emerging Trends In Financial Services. International Journal Of Advanced Multidisciplinary Research And Studies. 3. 1860-1877. 10.62225/2583049X.2023.3.6.4405.
[3]. AI Business. (2024). AI And Credit Scoring: Revolutionizing Risk Assessment In Lending. AI Business.
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[4]. Alamsyah, A., Hafidh, A. A., & Mulya, A. D. (2025). Innovative Credit Risk Assessment: Leveraging Social Media Data For Inclusive Credit Scoring In Indonesia’s Fintech Sector. Journal Of Risk And Financial Management, 18(2), 74.
Https://Doi.Org/10.3390/Jrfm18020074
[5]. Alqirem, R. & Al-Smadi, R.W. (2025). Enhancing Sustainable Fintech Education: Investigating The Role Of Smartphones In Empowering Economic Development In Jordan. Discov Sustain 6, 509 (2025). Https://Doi.Org/10.1007/S43621-025-01397-1.

[1]. Adam, L., Sarana, J., Suyatno, B., Soekarni, M., Suryanto, J., Ermawati, T., Saptia, Y., Adityawati, S., Mychelisda, E., Pamungkas, Y., Abdillah, M. R. N., Angelia, L., & Thoha, M. (2025). Driving Financial Inclusion In Indonesia With Innovative Credit Scoring. Journal Of Risk And Financial Management, 18(8), 442. Https://Doi.Org/10.3390/Jrfm18080442
[2]. Adewuyi, Ademola & Ajuwon, Ayodeji & Oladuji, Tolulope Joyce & Akintobi, Abiola. (2023). Advances In Financial Inclusion Models: Expanding Access To Credit Through AI And Data Analytics. International Journal Of Advanced Multidisciplinary Research And Studies. 3. 1827-1842. 10.62225/2583049X.2023.3.6.4403.
[3]. Alamsyah, A., Hafidh, A. A., & Mulya, A. D. (2025). Innovative Credit Risk Assessment: Leveraging Social Media Data For Inclusive Credit Scoring In Indonesia’s Fintech Sector. Journal Of Risk And Financial Management, 18(2), 74.
Https://Doi.Org/10.3390/Jrfm18020074
[4]. Arif Perdana, Saru Arifin, Novi Quadrianto. (2025). Algorithmic Trust And Regulation: Governance, Ethics, Legal, And Social Implications Blueprint For Indonesia's Central Banking. Technology In Society, Volume 81, 102838, ISSN 0160-791X.
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[5]. Arora, S. (2023, September 19). What Is Equifax Credit Score? Everything You Need To Know. Surepass.
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