Alliance S.C. (2015) The true cost of data breaches in the payments industry technical report, Smart Card Alliance, 032015 URL http://www.emv-connection.com/downloads/2015/03/The Cost-of- Data-Breaches.pdf
Akelola,S.E.R.A.H (2012). Fraud in the banking industry: A case study of Kenya (Doctoral dissertation, Nottingham Trent University)
Akonnor , E. O.( 2018) Public-Private Partnership in Solid Waste Management in Ghana, The Case of Accra Metropolitian Assembly (Doctoral dissertation, University of Ghana)
Apostolik, & Donohue, C. (2015) Foundations of Financial Risk : an overview of financial risk and risk based financial regulation. John Wiley & Sons.
Ban C., Seabroke, L., & Freitas.S.(2016). Grey matter in shadow banking: international organizatons and experts strategies in global financial governance. Review of International Political Economy, 23(6),1001-1033
Bakar, N.M.A.,Yasin,N.M., Razali, S.S., & Teong,N.S( 2019). The Role of Financial Regulator in Protecting Banks Consumers from Unfair Contract Terms: The Case of Malaysian Islamic Banks. Emerging Issues in Islamic Finance Law and Practice in Malaysia, Emerald Publishing Limited, 91-115
Balmer, A.G.(2018)Regulating and Supervisory Expectations on Compliance Function in Banks
Engel,K.C & McCoy P.A (2016). The subprime virus: Reckless credit, regulatory failure, and next steps. Oxford University Press.
Franzett , C.( 2016). Operational risk modelling and management Chapman and Hall/CRC.
Goldin I, & Kutarna , C (2016). Age of discovery : Navigating the risks and rewards of our new renaissance. Bloomsbury Publishing
Hoebelt,J.( 2019) Bank stress tests: implications on accounting discretion, transparency and market discipline (Doctoral dissertation, University of Sussex)
Hopkin,P.(2018). Fundamentals of risk management: understanding, evaluating and implementing effective risk management. Kogan Page Publishers.
Hossain, M. (2017). Credit Risk Management and Green banking of National Bank Limited: A case study of Lake Circus Branch (doctoral dissertation Daffodil International University).
Ijaz, A. (2018). Risk management of counterfeit card fraud: An empirical study of challenges among South Asian financial instituions (Master thesis, Nord university)
IBOR, B. I. (2016). An empirical investigation of the human resources nexus to frauds in the Nigerian Banking Sector. International Journal of Scientific and Research Publications 6(6)
Kaufmann, W. (2017). Going by the book: The problem of regulatory unreasonableness. Routledge.
Kesimli, I., Kesimili & Achauer (2019). External Auditing and Quantity. Springer
Muthinja M.M, (2016). Financial innovations and bank performance in Kenya: evidence from branchless banking models ( Doctoral dissertation)
Sheikh Muhamad Hizam, Ananda Devan Sivalingam, & Gholamreza Zandi. (2020). A Research Study by Delphi Technique in School Counseling. Https://Www.Researchgate.Net/Journal/0193 4120_Test_Engineering_and_Management, 82.
Tapscott , D & Tapscott, A (2016). Blockchain revolution: how the technology behind bitcoin is changing money business and the world. Penguin
Thai, N.D (2018). Liquidity Risk Management in Banking Activities Research at Military Banks in Vietnam
Trautman , L.J.( 2015) E-Commerce,cyber and electronic payment system risks : lessons from Paypal.UC Davis Bus.L.J,16,261.
Zandi Gholamreza, Sivalingam, A. D., & Mansori, S. (2019). An Empirical Study in Human Resource Management to Optimize Malaysian School Counselling Department. International Journal of Financial Research, 10(5), 32. https://doi.org/10.5430/ijfr.v10n5p32
Zandi Gholamreza, Shaheen Mansori & Ong Boon Hai (2019). The Effect of Demographic Variables and Ownership on Credit Card Market in Malaysia. International Journal of Financial Research (IJFR), Vol. 10, No. 5, Special Issue; 2019.
)