“IMPLEMENTATION AND IMPROVEMENT OF ENTERPRISE RISK MANAGEMENT (ERM) SYSTEMS IN RETAIL BANKING SERVICES”, Eur. j. econ. financ. bussiness dev., vol. 4, no. 4, pp. 61–69, Apr. 2026, Accessed: May 12, 2026. [Online]. Available: https://europeanscience.org/index.php/2/article/view/1727