GUERRERO LORA, J. E. Application of a clustering model for the analysis of online banking user behavior for cyber risk classification. RICT Journal of Scientific, Technological and Innovation Research, Mexico, MX, v. 3, n. 6, p. 26–35, 2025. DOI: 10.5281/zenodo.17545595. Disponível em: https://revista.ccaitese.com/index.php/ridt/article/view/225. Acesso em: 12 nov. 2026.