G. A. IDOWU and J. E. OWOLABI, “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, vol. 6, no. 1, pp. 107 - 129, Mar. 2026.