DIGITAL TRANSFORMATION AND FINANCIAL GOVERNANCE IN DEPOSIT MONEY BANKS: THE MEDIATING ROLE OF HUMAN RESOURCE MANAGEMENT AND THE MODERATING EFFECT OF INSTITUTIONAL ENVIRONMENT IN SOKOTO METROPOLIS. FUDMA Journal of Business Management, [S. l.], v. 4, n. 1, p. 463–484, 2026. Disponível em: https://fjbm.fudutsinma.edu.ng/index.php/fjbm/article/view/87. Acesso em: 17 jun. 2026.