Flores CA. The Inclusion–Risk Paradox in FinTech and InsurTech: Effects of Algorithmic Access Expansion, Opacity, and Regulatory Safeguards. Journal of Information Technology, Cybersecurity, and Artificial Intelligence [Internet]. 2026 Jan. 31 [cited 2026 Jul. 21];3(1):13-26. Available from: https://jitcai.org/index.php/journal/article/view/45