Anthony Chidi Nzomiwu, et al. “Diversity, Digital Finance, and Organizational Resilience: Lessons from Nigeria’s Changing Labour Economy”. IOASD Journal of Business and Management Studies, vol. 3, no. 3, July 2026, pp. 113-8, https://doi.org/10.67224/ioasdjbms.2026.v03i03.001.