“ELECTRONIC-FRAUD IN ONLINE BANKING PAYMENTS AND AUTHENTICATING DETECTION TECHNIQUES IN BANKING INDUSTRY: A CASE STUDY OF ZENITH BANK PLC. IN CROSS RIVER STATE, NIGERIA”. Impact International Journals and Publications, vol. 2, no. issue 2, June 2026, pp. 1900-14, https://impactinternationaljournals.com/publications/index.php/ojs/article/view/566.