Faisal Shahzad, Nazia Azim, Syed Muhammad Mushtaher Uddin, and Muhammad Moeed Raza, “ETHICAL CHALLENGES AND GOVERNANCE FRAMEWORKS IN BIG DATA ANALYTICS: ADDRESSING PRIVACY, CONSENT, BIAS, TRANSPARENCY, AND ACCOUNTABILITY IN THE ERA OF AI-DRIVEN DECISION MAKING”, SES, vol. 3, no. 9, pp. 1013–1024, Sep. 2025.