J. . Azaare, Z. Wu, A. A. . Rahman, and G. . Amiisa, “Embracing AI and IoT in Building Robust Financial Systems in Ghana: Empirical Tests Using Road Tollbooths and Tertiary Students Fee Payments”, Am. J. Financ. Inst., vol. 4, no. 1, pp. 138–147, Jul. 2026, doi: 10.54536/ajfti.v4i1.7539.