Research on Business Models and Risk Governance Frameworks for Fintech-Enabled Financing of Micro and Small Enterprises. International Scientific Technical and Economic Research , [S. l.], p. 54–63, 2025. DOI: 10.71451/ISTAER2553. Disponível em: https://istaer.online/index.php/Home/article/view/No.2553. Acesso em: 15 nov. 2025.