FRAUD RISK GOVERNANCE IN DIGITAL PAYMENTS: INTEGRATING PREVENTION, DETECTION, RESPONSE, AND LEARNING. Journal of Jabar Economic Society Networking Forum, [S. l.], v. 2, n. 12, p. 11–20, 2026. Disponível em: https://jesocin.com/index.php/jesocin/article/view/142.. Acesso em: 12 sep. 2026.