Rasyad, F. and Alwan, L.I.N. 2026. Long Term Dynamics of Operational Efficiency in Indonesia’s Islamic Banking Sector: Digital Transformation, Business Scale, and Financing Quality within an ARDL Framework. Jurnal Ekonomi dan Bisnis. 5, 3 (Sep. 2026), 149–160. DOI:https://doi.org/10.33633/jekobs.v5i3.16339.