@ARTICLE{
author={Cavlin Miroslav,Pesic Mirko,Pesic Sanja},
year={2026},
title={Managing Creditworthiness in the Digital Economy: ATheoretical Framework for a Hybrid and Explainable Model},
journal={IPSI BGD TRANSACTIONS ON INTERNET RESEARCH},
volume={22},
number={1},
pages={33-42},
document_type={Article},
} 

@ARTICLE{
author={Cavlin Miroslav,Pesic Mirko,Pesic Sanja},
year={2026},
title={Managing Creditworthiness in the Digital Economy: ATheoretical Framework for a Hybrid and Explainable Model},
journal={IPSI BGD TRANSACTIONS ON INTERNET RESEARCH},
volume={22},
number={1},
pages={34-43},
document_type={Article},
} 

@ARTICLE{
author={Cavlin Miroslav,Pesic Mirko,Pesic Sanja},
year={2024},
title={The Impact of Ratio Analysis on the Evaluation and Management of Liquidity in Agro-Processing Companies},
journal={EKONOMIKA POLJOPRIVREDA-ECONOMICS OF AGRICULTURE},
volume={71},
number={4},
pages={1299-1312},
document_type={Article},
}