1. Adewumi, A., Igbinedion, D., Misra, S.: Design and development of a digital identity framework for Nigeria. Int. J. Control Theor. Appl. 9(23), 355–362 (2016) Accessed 25 Oct 2020
2. Lauren, M.: The Evolution of Expense. https://www.tripit.com/blog/2014/05/the-history-of-expense-reports-a-look-at-how-expenses-have-evolved-throughouttime.html. Accessed 23 Feb 2020
3. Adewale, O.S., Mebawondu, J.O., Suleiman, M.N., Mebawondu, O.J.: A Simulation Model for Cardless Automated Teller Machine Transaction, i-manager’s Journal on digital signal processing, vol. 6 Issue. 2, pp. 1–8 (2018). https://doi.org/https://doi.org/10.26634/jdp.6.2.15588. Accessed 20 Jul 2020
4. First Bank of Nigeria Mortgages- Standard Operating Procedure. Accessed 2 May 2020
5. Acharya, V., Berger, N., Roman, A.: Lending implications of US bank stress tests: costs or benefits. J. Fin. Intermediation 34, 58–90 (2018)