@article{régis_artes_2016,  title={Using multi-state markov models to identify credit card risk},  volume={26},  ISSN={0103-6513},  url={https://doi.org/10.1590/0103-6513.160814},  DOI={10.1590/0103-6513.160814},  number={2},  journal={Production},  publisher={Associação Brasileira de Engenharia de Produção},  author={Régis, Daniel Evangelista and Artes, Rinaldo},  year={2016},  month={Apr},  pages={330–344} }