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The use of artificial intelligence (AI) in banking has grown rapidly in recent years, providing opportunities and challenges in dealing with it. AI in the banking world is expected to facilitate use, strengthen customer data security, and optimize risk management. This article aims to analyze the level of customer user experience towards banking services by utilizing artificial intelligence (AI). The analysis technique used in this study is descriptive with a quantitative approach, involving 100 respondents of various ages, various jobs and various educational backgrounds. The main requirement for respondents is that they are customers of various conventional banks in Ponorogo Regency who have used artificial intelligence (AI)-based banking services. Data were collected through questionnaires supplemented with secondary data in the form of documents related to the implementation of artificial intelligence in the banking service system. The application of AI in the banking sector is the detection and prevention of fraudulent transactions in real time, identity verification through biometrics, identity verification through biometrics, chatbots and virtual assistants for customer service, detecting suspicious activity, and the use of smart wallets. The findings in this study explain that artificial intelligence (AI) is able to increase the efficiency of services to customers, provide a better experience, and improve the quality of banking services. Customers are greatly helped by the use of artificial intelligence (AI)

Human resource development is a process of how management gains experience, skills and attitudes to achieve success as leaders in the organization, so that development activities are aimed at helping employees/employees to be able to handle their responsibilities in the future. Bearing this in mind, training and human resource development programs are needed which are carried out periodically and continuously, in order to provide satisfactory (prime) service. Thus, companies/institutions need to have good operational implementation instructions, as well as educated officers who can implement these operational systems and procedures appropriately. Apart from development, training activities are also very influential on human resources because with this training human resources will be encouraged to be able to provide excellent service for candidates or those interested in buying or using their services. And it is no less important to provide training to customer service on how to serve in a very friendly, polite, knowledgeable manner so that clients/interested people can feel comfortable when communicating or making transactions.

Digital business is starting to become the most popular business activity. The reason is that people continue to try to adapt to the sophistication of technology in this digital era to make it easier to do their work. Ease of carrying out digital buying and selling transactions is now available in GoTo, a company resulting from the merger of Gojek and Tokopedia. GoTo is a forum and provides access for entrepreneurs, especially MSMEs, to open businesses and sell online. Apart from making it easier for people to do business and shop, Goto also has a positive impact on the development of the Indonesian economy. Tiktok is also an online platform that influences the development of Tokopedia. Tiktok not only accommodates Tokopedia product branding but is now also one of the sales channels for Tokopedia products on its TikTokshop page. This invites high enthusiasm from economic actors. This research was conducted to find out how GoTo developed after the merger and the influence of the Tiktok and Tokopedia collaboration on the Indonesian economy. The method used is descriptive qualitative so that the data collected is correct based on literature reviews and scientific publications.