IMPROVING THE PRACTICE OF CREDIT SERVICES OF COMMERCIAL BANKS BASED ON INNOVATIONS . ОБРАЗОВАНИЕ НАУКА И ИННОВАЦИОННЫЕ ИДЕИ В МИРЕ, [S. l.], v. 83, n. 5, p. 459–467, 2025. Disponível em: https://journalss.org/index.php/obr/article/view/11022. Acesso em: 14 jan. 2026.