TELEMATICS-DRIVEN STRATEGIC RISK MANAGEMENT FOR SECURING VEHICLE CREDIT FINANCING IN LAGOS STATE. INTERNATIONAL JOURNAL OF PUBLIC ADMINISTRATION AND DEVELOPMENT STUDIES , [S. l.], v. 2, n. 3, p. 76–98, 2025. Disponível em: http://ijpads.com/index.php/ijpads/article/view/55.. Acesso em: 12 nov. 2026.