IDOWU, G.A. and OWOLABI, J.E. 2026. ENSEMBLE-BASED FRAUD DETECTION IN NIGERIAN BANKING: A SYNTHETIC DATA BENCHMARK AND COST-SENSITIVE ANALYSIS GBOLAHAN ADENIRAN IDOWU∗ AND JOSIAH ENDURANCE OWOLABI ABSTRACT. Fraud detection in Nigerian banking is critically hampered by a scarcity of authen. Unilag Journal of Mathematics and Applications. 6, 1 (Mar. 2026), 107 - 129.