Guerrero Lora, Jasmin Estephany. “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 3, no. 6 (November 6, 2025): 26–35. Accessed November 12, 2026. https://revista.ccaitese.com/index.php/ridt/article/view/225.