Transformer-Based Representation Learning for Multivariate Financial Risk Forecasting and Credit-Risk Analytics. International Journal of AI, Engineering and Management Studies (IJAIEMS), [S. l.], v. 1, n. 2, p. 190–199, 2026. Disponível em: https://essayjournals.in/index.php/home/article/view/IJAIEMS_v1i2_18. Acesso em: 15 oct. 2026.