J. Xu, W.-Y. Wong, M. H. S. B. Abdullah, and S.-R. Kew, “How Fintech Plays the Mediating Role of Risk Mitigation and Enhances Bank Profitability”, IJBF, vol. 21, no. 2, pp. 127–148, Jul. 2026, doi: 10.32890/ijbf2026.21.2.7.