@article{santos_gallucci netto_2020,  title={Financial Illiteracy and customer credit history},  volume={22},  ISSN={1806-4892},  url={https://doi.org/10.7819/rbgn.v22i0.4058},  DOI={10.7819/rbgn.v22i0.4058},  number={spe},  journal={Revista Brasileira de Gestão de Negócios},  publisher={Fundação Escola de Comércio Álvares Penteado},  author={Santos, Danilo Braun and Gallucci Netto, Humberto},  year={2020},  pages={421–436} }