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Technological developments have had a huge impact on the banking system, one example of the impact of developments is increasingly modern payment systems such as mobile banking. Bank NTT is one of the banks that provides mobile banking services called B'pung mobile. This research aims to determine consumer preferences for mobile banking services at Bank NTT. This research uses a qualitative descriptive approach, by conducting structured interviews with informants and NTT bank customers. The research results show that consumer preferences for mobile banking services at NTT banks continue to experience positive developments in line with technological advances and changes in user behavior, ease of access, transaction security, feature and functional innovations are getting better. However, in its implementation there are several problems, namely a weak internet connection, no fingerprint feature and also a top up feature that is difficult to access.

Banks that carry out their business activities based on sharia principles, or principles of Islamic law, are called sharia banks. As time goes by, Islamic banks are starting to have more Muslim customers. Bank BSI Kc Kualasimpang, for example, has active Muslim customers. Muslims are known to have great interest in Islamic sharia banking. BSI Bank Kc. Kualasimpang operates based on sharia principles and does not provide payment services. Because the data was obtained from direct observations at BSI Kc Kualasimpang, this is a type of field research. This study uses a qualitative methodology. Primary and secondary data were used in this research. Primary data consists of a description of the factors that influence non-Muslim customers. Secondary data consists of books related to the research topic. The author found two components: internal and external factors. The research results show that of the internal and external factors studied, the dominant external factors influencing non-Muslim customers' interest in BSI Kc Kualasimpang are promotion, service, location and social level. Work and motivation are internal factors. The more promotions and services offered by banks to non-Muslim customers, the more likely they will join an Islamic bank.

 In an era full of technological developments, various daily activities are connected with the help of the internet, making operations easier and faster. One use of this technology, for example, is massive marketing activities carried out via social media, one of which is WhatsApp. This application introduces WhatsApp Business features specifically designed to facilitate the marketing of their products to consumers. This increase in the number of WhatsApp users opens up more opportunities for businesses to maximize the application's potential as a digital marketing tool. The aim of this research is to determine the effect of promotions and services via WhatsApp on sales. This type of research is quantitative research. The sample used in this research was 37 people using the questionnaire distribution method as a data collection tool. The analysis technique used in this research is multiple linear regression analysis using the SPSS software application. The research results show that variable X1 (promotion) and variable X2 (service) each influence variable Y (sales) in a positive direction. Besides that, variables X1 (Promotion) and X2 (Service) in the model together are able to explain 40.3% of the influence on variable Y (Sales).