P. Redu, “Third-Party Model Risk: Advanced Due Diligence and Contractual Oversight for Embedded AI/ML Solutions in SaaS Core Banking and Risk-as-a-Service Platforms -- A Model Governance and Regulatory Risk Framework for Financial Institutions”., IJAIDSML, vol. 7, no. 1, pp. 56–70, Jan. 2026, doi: 10.63282/3050-9262.IJAIDSML-V7I1P113.