BASED ON BACKFLOW LEARNING, A NEW NOISE-ADAPTIVE TWO-LAYER ENSEMBLE MODEL FOR CREDIT SCORING. International Journal of Information Technology and Computer Engineering, [S. l.], v. 9, n. 4, p. 13–20, 2021. Disponível em: https://ijitce.org/index.php/ijitce/article/view/258. Acesso em: 26 apr. 2026.