Mahesti RSE, Wibowo H, Pratama BC, Inayati NI. The Effect of Digital Banking, Capital Adequacy Ratio, and Operational Efficiency on the Financial Performance of Islamic Commercial Banks in Indonesia. IJAR [Internet]. 2026 Aug. 8 [cited 2026 Aug. 12];5(8):1319-34. Available from: https://journal.formosapublisher.org/index.php/ijar/article/view/16916