Assistant Professor Zainab J. Yusuf and Professor Dr Suhail Abdullah Al-Tamimi 2024. THE IMPACT OF APPLYING MATA VERSE TECHNOLOGY ON HUMAN RESOURCES COSTS IN THE PRESENCE OF ENVIRONMENTAL UNCERTAINTY AS AN INTERACTIVE VARIABLE, AN APPLIED STUDY IN THE BANKING INDUSTRY SECTOR. Galaxy International Interdisciplinary Research Journal. 12, 2 (Feb. 2024), 451–464.