Dr. Adamu Bappah. “Digital Transformation in Educational Institutions: Financial Challenges and Managerial Responses in the Post-Pandemic Era”. Global Journal of Education, Finance and Management 1, no. 01 (September 1, 2025): 21–30. Accessed October 13, 2026. https://gjefm.ep-journals.org/index.php/gjefm/article/view/3.