TEMPORAL INEFFICIENCIES IN RISK RECOGNITION: A CAUSAL ANALYSIS OF RISK PERCEPTION LAG IN GLOBAL BANKING SYSTEMS. NeoEcon Review — NER, [S. l.], v. 1, n. 1, 2026. DOI: 10.71447/kjyhy530. Disponível em: https://theesri.com/index.php/journal3/article/view/146. Acesso em: 17 jul. 2026.