Zamani Fard A, Rezvani Chaman Zamin M. The Impact of Digital Transformation on Employees’ Future Competencies: The Mediating Role of Modern Human Resource Development in Day Insurance Company, Guilan Province. ILMT. Published online April 1, 1406:1-30. Accessed September 21, 2026. https://jilmt.com/index.php/jilmt/article/view/424