Babajide Oluwaseun Olaogun, et al. “Predictive Regulatory Change Impact Model for Global Payment Disruption Scenarios”. International Journal of Scientific Research in Humanities and Social Sciences, vol. 1, no. 1, Oct. 2024, pp. 492-17, https://www.ijsrhss.technoscienceacademy.com/index.php/home/article/view/IJSRSSH243673.