Oktaviana, U. K. ., and T. . Miranti. “Modeling Technology and Profitability As Moderators of Competition, Efficiency, and Risk in Islamic Bank Stability”. Journal of Islamic Economics Lariba, vol. 11, no. 2, Aug. 2025, pp. 1049-78, doi:10.20885/jielariba.vol11.iss2.art15.