Risk Management, Digital Innovation, and Regulatory Frameworks in Banking and Finance. SBS Journal of Applied Business Research, [S. l.], v. 13, n. 2, p. 38–58, 2025. DOI: 10.70301/JOUR/SBS-JABR/2025/13/2/2. Disponível em: https://jabr.sbs.edu/article/view/102. Acesso em: 30 apr. 2026.