IOSR-JEF   Volume-17 ~ Issue-4 ~ Jul. – Aug. 2026

[1]. Addison, E.K. 2017a. Bog Probes UT, Capital Bank Directors For Roles In Collapse Of Their Banks {Graphic Online Reporter: Suleiman Mustapha & Maxwell Akalaare Adombila Aug - 15 - 2017, 07:25} Https://Www.Graphic.Com.Gh/News/General-News/Bog-Probes-Ut-Capital-Bank-Directors-For-Roles-In-Collapse-Of-Their-Banks.Html {Accessed November 18, 2022}.
[2]. Addison, E. K. 2017b. Annual Dinner Of The Chartered Institute Of Bankers (Ghana). Address By Dr Ernest Addison, Governor, Bank Of Ghana, The State Banquet Hall, State House, Accra, December 02, 2017.
[3]. Addison, E. K. 2018a. Bank Of Ghana Statement On Unibank Takeover Https://Www.Graphic.Com.Gh/Business/Business-News/Bank-Of-Ghana-Statement-On-Unibank Takeover.Html{12/8/2023}
[4]. Addison, E. K. 2018b. Press Release Government Establishes New Indigenous Bank; Bank Of Ghana Revokes Licences Of Five Banks And Appoints Receiver In Respect Of Their Assets And Liabilities
Https://Www.Bog.Gov.Gh/Wp-Content/Uploads/2019/07/PRESS-RELEASE-Grand-Final-August-2018.Pdf{28/06/2021}
[5]. Addison, E. K. (2020). Financial Sector Reforms. 71st Annual New Year School And Conference, Cedi Conference Centre Auditorium, University Of Ghan.

[1]. Agénor, P.-R., & Pereira Da Silva, L. A. (2019). Integrated Inflation Targeting: Another Perspective From The Developing World. Bank For International Settlements & CEMLA.
[2]. Cahn, C. (2014). Macroéconomie Quantitative : Cours, Applications Et Problèmes Corrigés. Paris, Éditions Ellipses.
[3]. Evans, G. W., & Honkapohja, S. (2001). Learning And Expectations In Macroeconomics. Princeton University Press.
[4]. Kabuya Kalala, F., & Tsasa, J.-P. K. (2018). Macroéconomie : Fondements, Microfondements Et Politiques. Paris, Hermann.
[5]. Agénor, P.-R. (2000). Monetary Policy Under Flexible Exchange Rates: An Introduction To Inflation Targeting. The World Bank.

[1]. Adomavicius, G., & Tuzhilin, A. (2005). Toward The Next Generation Of Recommender Systems: A Survey Of The State-Of-The-Art And Possible Extensions. IEEE Transactions On Knowledge And Data Engineering, 17(6), 734–749.
[2]. Awad, N. F., & Krishnan, M. S. (2006). The Personalization Privacy Paradox: An Empirical Evaluation Of Information Transparency And The Willingness To Be Profiled Online For Personalization. MIS Quarterly, 30(1), 13–28.
[3]. Braun, V., & Clarke, V. (2006). Using Thematic Analysis In Psychology. Qualitative Research In Psychology, 3(2), 77–101.
[4]. Court, D., Elzinga, D., Mulder, S., & Vetvik, O. J. (2009). The Consumer Decision Journey. Mckinsey Quarterly, 3, 96–107.
[5]. Davis, F. D. (1989). Perceived Usefulness, Perceived Ease Of Use, And User Acceptance Of Information Technology. MIS Quarterly, 13(3), 319–340..

[1]. Battiston, S., Mandel, A., Monasterolo, I., Schütze, F., & Visentin, G. (2017). A Climate Stress-Test Of The Financial System. Nature Climate Change, 7(4), 283–288.
[2]. Bussmann, N., Giudici, P., Marinelli, D., & Papenbrock, J. (2021). Explainable Machine Learning In Credit Risk Management. Computational Economics, 57(1), 203–216.
[3]. Chen, Y., & Volkov, V. (2023). Climate Transition Risk And The Cross-Section Of Stock Returns. Journal Of Banking & Finance.
[4]. Deng, Y., Bao, F., Kong, Y., Ren, Z., & Dai, Q. (2016). Deep Direct Reinforcement Learning For Financial Signal Representation And Trading. IEEE Transactions On Neural Networks And Learning Systems, 28(3), 653–664.
[5]. European Commission. (2019). Delegated Regulation On EU Climate Transition Benchmarks And EU Paris-Aligned Benchmarks. Official Journal Of The European Union.

[1]. Almulhim, T., Aljughaiman, A., Al-Naim, M., & Alosaimi, S. (2024). Risk Governance Structures And Financial Performance Of Financial Firms In Saudi Arabia. Journal Of Financial Regulation And Compliance. (Note: If This Is A Journal Article, Insert Journal Title, Volume, And Page Range Here)
[2]. Al-Nimer, M., Warrad, L., & Omari, R. (2021). The Effect Of Enterprise Risk Management On Financial Performance Among Non-Financial Firms Listed On The Amman Stock Exchange. Investment Management And Financial Innovations, 18(2), 45–55.
[3]. Argyris, C., & Schön, D. A. (1978). Organizational Learning: A Theory Of Action Perspective. Addison-Wesley.
[4]. Barney, J. B. (1991). Firm Resources And Sustained Competitive Advantage. Journal Of Management, 17(1), 99–120.
[5]. Barney, J. B. (2001). Resource-Based Theories Of Competitive Advantage: A Ten-Year Retrospective On The Resource-Based View. Journal Of Management, 27(6), 643–650.

[1]. Arcand, J. L., Berkes, E., & Panizza, U. (2015). Too Much Finance? Journal Of Economic Growth, 20(2), 105–148.
[2]. Arellano, M. (1987). Computing Robust Standard Errors For Within-Group Estimators. Oxford Bulletin Of Economics And Statistics, 49(4), 431–434.
[3]. Arestis, P., Chortareas, G., & Magkonis, G. (2015). The Financial Development And Growth Nexus: A Meta Analysis. Journal Of Economic Surveys, 29(3), 549–565.
[4]. Armendariz De Aghion, B., & Morduch, J. (2010). The Economics Of Microfinance. Cambridge, MA: MIT Press.
[5]. Baltagi, B. H. (2013). Econometric Analysis Of Panel Data (5th Ed.). Chichester: John Wiley & Sons.

[1]. Afroz, R., Hassan, M. N., & Kim, K. H. (2003). Effects Of Air Pollution On Human Health And Practical Measures In Korea. Environmental Geochemistry And Health, 25(3), 273–280.
[2]. Angelie Azcuna Collera, A., & Samala Guno, M. (2020). Electric Vehicles Adoption: A Review Of The Economic, Environmental, And Societal Impacts. International Journal Of Sustainable Transportation, 12(11), 4720.
[3]. International Energy Agency. (2021). Global EV Outlook 2021: Accelerating The Transition To Electric Mobility. [Link To The Report]
[4]. Joshi, A. (ICIMOD). (2023). Personal Communication.
[5]. Lopez, M., Tria, E., Tayo, C., Cruzate, J., Oppus, M., Cabacungan, I., Isla, R., Ansay, L., P. Garcia, P., Cruz, R., & Manuel Biona, M. (2021). Economic Advantages Of Electric Vehicle Adoption: A Case Study. Transportation Research Part D: Transport And Environment, 150, 111492.