OUALID, Adil; QASMAOUI, Youssef; BALOUKI, Youssef; ITRI, Bouzgarne; MOUMOUN, Lahcen. Advancing Credit Risk Management in Open Banking with Enhanced Federated Averaging Algorithm. Engineering, Technology & Applied Science Research, Greece, v. 15, n. 3, p. 22573–22579, 2025. DOI: 10.48084/etasr.10266. Disponível em: https://etasr.com/index.php/ETASR/article/view/10266. Acesso em: 26 jun. 2026.