The Phantom Borrower: Machine Learning Detection of Synthetic Identities and the Econometrics of Precision-Recall Trade-Offs in Digital Credit Markets. The Asian Bulletin of Big Data Management , [S. l.], v. 6, n. 1, p. 482–494, 2026. DOI: 10.62019/t7hjsa65. Disponível em: https://abbdm.com/index.php/Journal/article/view/503. Acesso em: 25 may. 2026.