Chizoba Michael Okafor, Vivian Chilee Osuji and Omoize Fatimetu Dako (2024) “Harmonizing Risk Governance, Technology Infrastructure, and Compliance Frameworks for Future-Ready Banking Systems”, International Journal of Scientific Research in Humanities and Social Sciences, 1(1), pp. 316–337. Available at: https://mail.ijsrhss.com/index.php/home/article/view/IJSRSSH243567 (Accessed: 6 February 2026).