ABAYOMI OLUWASEUN JAPINYE. Machine Learning for Systemic Risk Prediction in FinTech Lending:  A Cross-Country Analysis Using Public Data. International Journal of Research in Social Science and Humanities (IJRSS) ISSN:2582-6220, DOI: 10.47505/IJRSS, [S. l.], v. 7, n. 1, p. 110–136, 2026. DOI: 10.47505/IJRSS.2026.1.10. Disponível em: https://ijrss.org/index.php/ijrss/article/view/840. Acesso em: 9 jan. 2026.