“Cloud-Native Twin Systems for Real-Time Risk and Compliance Simulation in FinHealth Converged Ecosystems”. ISCSITR- INTERNATIONAL JOURNAL OF COMPUTER SCIENCE AND ENGINEERING (ISCSITR-IJCSE) - ISSN: 3067-7394, vol. 6, no. 4, Aug. 2025, pp. 77-94, https://doi.org/10.63397/ISCSITR-IJCSE_2025_06_04_006.