Rasyad F, Alwan LIN. Long Term Dynamics of Operational Efficiency in Indonesia’s Islamic Banking Sector: Digital Transformation, Business Scale, and Financing Quality within an ARDL Framework. JEKOBS [Internet]. 2026Sep.22 [cited 2026Sep.22];5(3):149-60. Available from: https://publikasi.dinus.ac.id/JEKOBS/article/view/16339