ALIGNING TECHNOLOGY, HUMAN CAPITAL, AND INSTITUTIONS: A CAPABILITY-DRIVEN MODEL OF DIGITAL FINANCIAL GOVERNANCE. FUDMA Journal of Business Management, [S. l.], v. 4, n. 1, p. 443–462, 2026. Disponível em: https://fjbm.fudutsinma.edu.ng/index.php/fjbm/article/view/86. Acesso em: 13 jun. 2026.