Prediction Of E-Payment Channels with Hidden Markov Model. Research and Analysis Journal, [S. l.], v. 8, n. 3, p. 01–09, 2025. DOI: 10.18535/raj.v8i3.508. Disponível em: http://rajournals.com/index.php/raj/article/view/508. Acesso em: 19 apr. 2025.