“FIRMS SPECIFIC CHARACTERISTICS AND QUALITY FINANCIAL REPORTING OF UNIVERSAL BANKS LISTED ON THE STOCK EXCHANGES OF SELECTED AFRICAN COUNTRIES”, JOGA, vol. 8, no. 3, pp. 188–205, Mar. 2023, Accessed: May 07, 2025. [Online]. Available: https://journals.unizik.edu.ng/joga/article/view/1862