FLORES, Christian Anthony. The Inclusion–Risk Paradox in FinTech and InsurTech: Effects of Algorithmic Access Expansion, Opacity, and Regulatory Safeguards. Journal of Information Technology, Cybersecurity, and Artificial Intelligence, [S. l.], v. 3, n. 1, p. 13–26, 2026. DOI: 10.70715/jitcai.2026.v3.i1.045. Disponível em: https://www.jitcai.org/index.php/journal/article/view/45. Acesso em: 4 feb. 2026.