ISMAIL, B.; RAMO, W. USING BLOCKCHAIN TECHNOLOGY TO IMPROVE CREDIT RISK MANAGEMENT: "A survey study of a sample of academics and professionals in public universities". Humanities Journal of University of Zakho, [S. l.], v. 12, n. 4, p. 755–768, 2024. DOI: 10.26436/hjuoz.2024.12.4.1293. Disponível em: https://hjuoz.uoz.edu.krd/index.php/hum/article/view/1293. Acesso em: 16 oct. 2024.