IDOWU, G. A.; OWOLABI, J. E. 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. LAGJMA 2026, 6, 107 - 129.