AI-BASED COST OPTIMIZATION AND FINOPS GOVERNANCE FOR CLOUD NATIVE BANKING PLATFORMS . Phoenix: International Multidisciplinary Research Journal ( Peer reviewed High Impact Journal ), [S. l.], v. 2, n. 2, p. 1–12, 2024. DOI: 10.65009/9fy2nh81. Disponível em: https://pimrj.org/index.php/pimrj/article/view/207.. Acesso em: 6 may. 2026.