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 [Internet]. 2026 Mar. 19 [cited 2026 Jun. 17];4(1):463-84. Available from: https://fjbm.fudutsinma.edu.ng/index.php/fjbm/article/view/87