Essien, Iboro Akpan, Joshua Oluwagbenga Ajayi, Eseoghene Daniel Erigha, Ehimah Obuse, and Noah Ayanbode. “AI-Driven Governance Systems for Proactive Regulatory Compliance and Fraud Risk Management in Financial Service Environments”. Engineering And Technology Journal 10, no. 9 (September 18, 2025): 7114–7125. Accessed September 28, 2026. https://www.everant.org/index.php/etj/article/view/2215.