00531naa#a2200169#i#450# EN\\bibl\106489 20251128230013.5 2782-4586 20251117b2025####ek#y0engy0150####ca RU Credit risk in the BNPL era: behavioural scoring and portfolio profitability Journal article Moscow ITBO University 2025 5 с. Journal article local Управление экономикой. 338.24 Lykov Nikita Sergeevich jomeam.ru