Dr. Naqeeb Ullah, Muhammad Ishaq, Faisal Rahman, Muhammad Umair Aslam, and Fazle Adil. “An Advanced AI-Driven Risk Assessment Framework for U.S. Banking Institutions: Integrating Predictive Financial Analytics, Regulatory-Aware Governance and Cybersecurity Risk Intelligence”. Journal of Management Science Research Review 5, no. 2 (June 30, 2026): 3176–3204. Accessed July 7, 2026. https://jmsrr.com/index.php/Journal/article/view/708.