00531naa#a2200169#i#4500001001600000005001700016011001400033100004100047102000700088200009800095210003400193215001000227608002700237675005400264700002900318856001400347EN\\bibl\10648920251128234607.5##a2782-4586##a20251117b2025####ek#y0engy0150####ca##aRU1#aCredit risk in the BNPL era: behavioural scoring and portfolio profitabilityeJournal article1#aMoscowcITBO Universityd2025##a5 с.##aJournal article2local##aУправление экономикой. 338.24#1aLykovgNikita Sergeevich4#ajomeam.ru