IMPROVING REAL-TIME ANTIFRAUD MONITORING SYSTEMS IN THE MANAGEMENT OF RISKS ASSOCIATED WITH RETAIL BANKING SERVICES AND THEIR APPLICATION IN BANKING PRACTICE. American Journal of Business Management, Economics and Banking, [S. l.], v. 47, p. 158–165, 2026. Disponível em: https://americanjournal.org/index.php/ajbmeb/article/view/3516. Acesso em: 10 may. 2026.