Anthony Chidi Nzomiwu, Franca Ginikachi Adieme, Okoroafor Ikechukwu Benedict, and Paulinus Ogbu. “Diversity, Digital Finance, and Organizational Resilience: Lessons from Nigeria’s Changing Labour Economy”. IOASD Journal of Business and Management Studies 3, no. 3 (July 2, 2026): 113–118. Accessed August 8, 2026. https://ioasdpublisher.com/ioasdjbms/article/view/59.