TY  - JOUR 
T1  - Using multi-state markov models to identify credit card risk
JO  - Production
A1  - Régis, Daniel Evangelista
A1  - Artes, Rinaldo
SN  - 0103-6513
UL  - 10.1590/0103-6513.160814
VL  - 26 
Y1  - 2016
PB  - Brasil 
ER  -