Mobile phone usage data for credit scoringOts, Henri; Liiv, Innar; Tur, DianaDatabases and Information Systems : 14th International Baltic Conference, DB&IS 2020, Tallinn, Estonia, June 16-19, 2020 : Proceedings2020 / p. 82-95 https://doi.org/10.1007/978-3-030-57672-1_7 Conference proceeding at Scopus Article at Scopus