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Wandmacher, Ralf and Thorhauer, Yvonne and Sturm, Christian and Driessen, Mareike and Soine, Dominique and Goerke, Tim (2025) A Global Comparison of Credit Bureaus Based on Data Utilization in Credit Scoring. International Journal of Banking and Finance (IJBF), 20 (1). pp. 23-67. ISSN 2590-423X