RASYAD, F.; ALWAN, L. I. N. 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, [S. l.], v. 5, n. 3, p. 149–160, 2026. DOI: 10.33633/jekobs.v5i3.16339. Disponível em: https://publikasi.dinus.ac.id/JEKOBS/article/view/16339. Acesso em: 22 sep. 2026.