Aju, Omojokun Gabriel. “Artificial Intelligence and the Future of Digital Banking in Nigeria: A Systematic Review of Emerging Opportunities and Associated Risks”. Journal of Applied Informatics and Computing 10, no. 4 (August 11, 2026): 3740–3752. Accessed September 12, 2026. https://jurnal.polibatam.ac.id/index.php/JAIC/article/view/13550.