binti Md Elias, N. L., N. binti Nizar, and S. binti Samsuddin. “Enterprise Risk Management Maturity in Malaysia’s Banking Industry: A Conceptual Assessment”. Information Management and Business Review, Vol. 17, no. 3(I)S, Oct. 2025, pp. 237-45, doi:10.22610/imbr.v17i3(I)S.4731.