Privacy-Preserving Techniques in Credit Risk Assessment: A Comparative Analysis of Differential Privacy, Federated Learning, and Homomorphic Encryption. Journal of Science, Innovation & Social Impact, [S. l.], v. 2, n. 2, p. 37–54, 2026. Disponível em: https://pinnaclepubs.com/index.php/JSISI/article/view/701. Acesso em: 22 jun. 2026.