Galadima, A.I. and Adoga, H.U. 2025. A HYBRID BIOMETRIC-CRYPTOGRAPHIC FRAMEWORK FOR SECURE ATM AUTHENTICATION USING FINGERPRINT RECOGNITION AND TIME-BOUND QR CODES. FUDMA JOURNAL OF SCIENCES. 9, 12 (Dec. 2025), 409–416. DOI:https://doi.org/10.33003/fjs-2025-0912-3805.