Intelligent Cash-Flow Stress Detection for Small and Medium-Sized Enterprises Using Financial Ratios and Payment-Delay Signals. Journal of Intelligent Financial Systems and Autonomous Management, [S. l.], v. 1, n. 1, p. 1–9, 2026. Disponível em: https://landing.wrunion.org/ojs/index.php/jifsam/article/view/8. Acesso em: 7 oct. 2026.