“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”, FJBM, vol. 4, no. 1, pp. 463–484, Mar. 2026, Accessed: Jun. 17, 2026. [Online]. Available: https://fjbm.fudutsinma.edu.ng/index.php/fjbm/article/view/87