Bommineni SK, Deerkoski J. Customer Identity Assurance beyond the Login: Governing Recovery, Authenticator Replacement and Human-Mediated Verification in Financial Services. AIJCST [Internet]. 2022 Aug. 2 [cited 2026 Nov. 7];4(4):57-63. Available from: http://aijcst.org/index.php/aijcst/article/view/347