CARRILLO TRUJILLO, Marco Vinicio; AGUILAR ENCARNACIÓN, Pedro Stalyn. Predictive Analysis and Optimized Management of the Delinquent Customer Portfolio at CNEL EP Bolívar Business Unit. Revista Tecnológica - ESPOL, Guayaqui, EC, v. 37, n. 1, p. 285–308, 2025. DOI: 10.37815/rte.v37n1.1312. Disponível em: https://rte.espol.edu.ec/index.php/tecnologica/article/view/1312. Acesso em: 19 oct. 2025.