@misc{https://doi.org/10.4121/7c3083a2-8229-45c4-a57f-233007b75e8b.v1,
  doi = {10.4121/7c3083a2-8229-45c4-a57f-233007b75e8b.v1},
  url = {},
  author = {Sulastri, Reni},
  keywords = {Financial Inclusion, Credit Scoring, Machine Learning, Sensitivity Analysis, DLT},
  title = {Online Appendices and Research Data. Inclusion-by-Design: Designing a Reference Architecture for Inclusive Lending Systems},
  publisher = {4TU.ResearchData},
  year = {2025},
  copyright = {CC BY 4.0},
}