“Operationalizing the NIST AI Risk Management Framework in Adaptive Financial Early-Warning Systems: Transparency, Accountability, and Governance Controls for Institutional Analytics”, TMS, vol. 2, no. 4, pp. 142–154, Dec. 2024, Accessed: Sept. 13, 2026. Available: https://www.yuktabpublisher.com/index.php/TMS/article/view/424