“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” (2026) FUDMA Journal of Business Management, 4(1), pp. 463–484. Available at: https://fjbm.fudutsinma.edu.ng/index.php/fjbm/article/view/87 (Accessed: 17 June 2026).