N. L. binti Md Elias, N. binti Nizar, and S. binti Samsuddin, “Enterprise Risk Management Maturity in Malaysia’s Banking Industry: A Conceptual Assessment”, IMBR, vol. 17, no. 3(I)S, pp. 237–245, Oct. 2025, doi: 10.22610/imbr.v17i3(I)S.4731.