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This study aims to improve business process efficiency in the PLN Mobile application through the implementation of Business Process Model and Notation (BPMN). PLN Mobile is a digital innovation by PT PLN (Persero) that allows customers to access services such as bill payment, outage reporting, and service requests. However, various challenges remain, including slow processing times, lack of system integration, and inefficient workflows. The research was conducted at PT PLN (Persero) UP2D S2JB using observation, interviews, and literature review. The results indicate that modeling business processes using BPMN effectively maps workflows, identifies bottlenecks, and offers digital-based solutions. The application of BPMN has been shown to increase transparency, reduce input errors, and accelerate customer service processes. This study recommends ongoing optimization through enhanced analytics features, system security, and regular training for operational staff.

Abstract. A store requires an effective and efficient accounting information system to manage its finances, ensuring business continuity and financial sustainability. One such case is Am Collection Store, which has not yet adopted computer technology. The store still uses manual methods for cash receipts processing. This Cash Receipt Application was designed using the waterfall method, applied as a system development method, and utilizes PHP and MySQL programming languages. The objective is for Am Collection Store to record all cash receipts from sales without the need for manual bookkeeping. The system design tools used include UML, such as Use Case Diagram,  and Class Diagram. The result of this research is the design of a web-based accounting information system for cash receipts, which simplifies cash management to be more effective and efficient. Additionally, it produces detailed reports on matters related to the cash receipt processes from transactions conducted by both customers and sellers.

Currently the banking sector provides product services in the form of electronic banking for customers, one of which is mobile banking. Mobile banking is a banking service that allows customers to make various financial transactions through mobile devices, such as smartphones or tablets. This study aims to examine the influence of ease of use, security, and reliability on the use of mobile banking among the people of Palopo city. Data was collected using a questionnaire that was distributed online to respondents. This study uses a quantitative method. The sample was taken using the purposive sampling technique with a total of 105 respondents collected. To process the data in this study, the Statistical Package for Social Science (SPSS) program is used. The results of this study show that ease of use, security, and reliability have a significant effect on the use of mobile banking.

The development of the banking sector has led to an increase in the processing of customers' personal data, which can pose a risk of data misuse. One of the efforts to prevent this is the implementation of data minimisation, which emphasises that the personal data collected must be relevant, limited, and consistent with the legitimate purposes of processing, as well as transparent in accordance with the provisions of Article 27 of Law No. 27 of 2022 on Personal Data Protection (PDP Law). This study employs a normative legal analysis method with a descriptive-analytical approach, incorporating transformative legal theory and privacy rights protection to examine the application of the data minimisation by banks. The findings indicate that excessive data collection practices still frequently occur and may violate customers' privacy rights. Therefore, banks are required to disclose the types and relevance of customer data, conduct regular mapping and evaluation of the data required, and implement selective and secure information technology systems. This implementation constitutes banks' compliance with data protection principles, particularly security and accountability. Additionally, active customer involvement and oversight by authorities are crucial factors in ensuring the effectiveness of data minimisation implementation in the banking sector.

Artificial Intelligence (AI) is quickly becoming a game changer in the way businesses build and manage their strategies. This article explores how AI is helping organizations make faster and smarter decisions, streamline operations, and spark innovation across various industries. With the ability to process massive amounts of data, AI tools can uncover valuable insights about market trends and customer behavior, allowing companies to respond more accurately and stay ahead of the competition. From machine learning and generative AI to natural language processing and digital twins, these technologies are transforming everything from internal workflows to how businesses connect with customers. The article also offers a practical roadmap for adopting AI in a business setting, covering steps like evaluating readiness, running pilot projects, and measuring success through return on investment (ROI). It emphasizes the need for strong data infrastructure, skilled teams, and a culture that supports innovation and data-driven thinking. Challenges such as algorithmic bias, data privacy, and internal resistance to change are also addressed. Real-world examples from banking, retail, and manufacturing show how AI can deliver real impact improving efficiency, increasing customer satisfaction, and driving business growth. Ultimately, embracing AI isn’t just about keeping up with technology it’s about shaping the future of smart, strategic, and ethical business.

This study aims to examine the influence of digital promotion, service quality, and lifestyle on consumer decision-making in using the services of Omahbiru Wedding Organizer, located in Kediri. The background of this research stems from the increasing competition among wedding organizer businesses in the digital era, which requires service providers to adapt their marketing strategies to the preferences and behavior of modern consumers. A quantitative research approach was applied, with data collected through questionnaires distributed to 108 respondents who had previously used Omahbiru’s services. Data were analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) method, assisted by SmartPLS 3.0 software. The study examined three independent variables digital promotion, service quality, and lifestyle and one dependent variable, namely consumer decision. The findings reveal that all three independent variables have a significant simultaneous effect on consumer decisions. Individually, lifestyle and service quality have a stronger influence compared to digital promotion, which shows a moderate effect. The R-Square value of 0.488 indicates that these variables explain 48.8% of the variance in consumer decision-making. These results highlight the importance of aligning digital promotional strategies, service excellence, and lifestyle compatibility to attract and retain customers in the wedding organizer industry. Keywords: digital promotion, service quality, lifestyle, consumer decision, wedding organizer   Penelitian ini bertujuan untuk mengkaji pengaruh promosi digital, kualitas layanan, dan gaya hidup terhadap keputusan konsumen dalam menggunakan jasa Omahbiru Wedding Organizer yang berlokasi di Kediri. Latar belakang penelitian ini didasarkan pada meningkatnya persaingan antar wedding organizer di era digital, yang menuntut pelaku usaha untuk menyesuaikan strategi pemasarannya dengan preferensi dan perilaku konsumen modern. Pendekatan penelitian yang digunakan adalah kuantitatif, dengan pengumpulan data melalui kuesioner kepada 108 responden yang sebelumnya telah menggunakan jasa Omahbiru. Analisis data dilakukan dengan metode Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS), menggunakan bantuan software SmartPLS versi 3.0. Penelitian ini menguji tiga variabel independen—promosi digital, kualitas layanan, dan gaya hidup—serta satu variabel dependen yaitu keputusan konsumen. Hasil penelitian menunjukkan bahwa ketiga variabel independen berpengaruh signifikan secara simultan terhadap keputusan konsumen. Secara parsial, variabel gaya hidup dan kualitas layanan memberikan pengaruh yang lebih kuat dibandingkan promosi digital, yang memberikan pengaruh sedang. Nilai R-Square sebesar 0,488 menunjukkan bahwa ketiga variabel mampu menjelaskan 48,8% variasi dalam pengambilan keputusan konsumen. Temuan ini menegaskan pentingnya kesesuaian strategi promosi digital, pelayanan yang unggul, dan penyesuaian gaya hidup dalam menarik dan mempertahankan pelanggan di industri wedding organizer. Kata Kunci: promosi digital, kualitas layanan, gaya hidup, keputusan konsumen, wedding organizer

A wedding is a very important moment for everyone and requires meticulous preparation, sometimes taking months to years, but the lack of time and support from friends and family is often not enough to fulfill all the needs for planning a wedding. In this case, wedding organizers (WOs) are here to solve this problem. This study aims to examine the development of a growing wedding designing business in Tanjungwangi Village, Pacet, Bandung Regency, especially Friskia Ala Ala Wedding Organizer. This research provides an in-depth description of client experiences, processes, and variables that contribute to the services they offer. The method used in this research is, descriptive qualitative method with the technique of collecting data through direct observation and interviews. Friskia Ala Ala Wedding Organizer offers various services, such as make-up artist (MUA), prewedding, decoration, location, catering, photography, film, and entertainment. Friskia Ala Ala Wedding Organizer conducted a SWOT analysis which showed that there are strengths to attract customers and low prices. Friskia Ala Ala Wedding Organizer managed to record a good profit from the sale of its wedding packages. In addition, the net profit generated shows good financial management.  The conclusion of this study highlights the development of business feasibility, marketing strategy, service production process, as well as management

The rapid development of information and communication technology has opened up significant opportunities to enhance service efficiency in various fields, including the beauty industry. Soraaya Studio, which offers a range of beauty services, currently still manages appointment scheduling manually. This manual system leads to several challenges, such as difficulties in efficient schedule management, data duplication, recording errors, and disorganization in the service reservation process. Furthermore, communication with customers regarding schedule confirmation becomes less effective. With the increasing number of customers, this manual scheduling system is no longer able to meet the growing complexity of operational needs.To address these issues, a web-based appointment scheduling system has been designed, which is integrated and user-friendly. This system is built using the PHP programming language with a MySQL database and features a responsive interface, making it easily accessible from various devices, including desktops and mobiles. Key functionalities provided include real-time creation, modification, and cancellation of appointments, management of service availability, and automated notifications via email or text messages to customers and studio staff. The implementation of this system aims to improve the accuracy and speed of the scheduling process, reduce manual errors, and facilitate schedule monitoring by management and staff, thereby enabling Soraaya Studio to provide a more professional and satisfying service to its customers.

Micro Small and Medium Enterprises (MSMEs) are experiencing the impact of the Covid-19 pandemic. The decline in consumer purchasing power is a challenge for SMEs in carrying out their business production. One of the opportunities for MSME actors to survive in the current pandemic is by maximizing online sales. But not a few MSME actors who still do not understand to use online sales. Therefore, it is necessary to empower the community of MSME actors in trying online markets or other options by empowering MSME actors in branding superior products. By using and managing the right digital media, it is hoped that business actors can increase public interest in products. Digital media that can be used include Instagram, Facebook, WhatsApp, Youtube, GrabFood/Go-Food or other platforms. Business actors can also carry out brand awareness offline, that is, they can develop innovations that do not yet exist, such as promotions by distributing brochures, creating attractive menu lists or creating price tags. The approach method used in community service this time is in the form of mentoring business actors regarding the development of MSME business innovations where members go directly to the field. This MSME assistance activity was carried out. The process of SME Mentoring activities is in the form of interviews with business owners to find out the current situation of their business conditions, members help make snack box orders, make banners/banners and price tags as an effort to carry out brand awareness, and members also provide medical equipment in the form of masks, hand sanitizer, and plastic gloves to business managers as a form of attention to always maintain health protocols when interacting with customers.

Public transportation, with Transjakarta as its main pillar, requires a deep understanding of customer behavior to improve service quality and maintain loyalty. This study aims to segment Transjakarta customers using data mining techniques, specifically the K-Means Clustering algorithm, based on the RFM (Recency, Frequency, Monetary/Value) behavioral model. 37,900 rows of raw transaction data were processed into a clean database, resulting in 1,917 unique customers for analysis. The RFM metrics were then normalized using Min-Max Scaler. The optimal number of clusters was evaluated using the Elbow Curve and Silhouette Score Methods, which led to the determination of k = 4 clusters. The segmentation results identified four customer groups requiring specific strategies: Cluster 3 (Champions) with high R, F, and V (requiring rewards and retention); Cluster 0 (Active, Low Value) with high R and F but low V (requiring upsells and cross-sells); Cluster 1 (Potential/At-Risk); and Cluster 2 (Dormant/Lost). Preliminary analysis (EDA) showed that nearly half of customers (49.3%) used Bank DKI cards, dominated by the productive age group (25–45 years old), with the Rusun Kapuk Muara–Penjaringan route being the busiest. The main managerial recommendation is to strengthen the partnership with Bank DKI and optimize services in this busy corridor.

This research aims to analyze the effect of taste and service quality on customer satisfaction at Hilande Koffie Medan. As the café business continues to grow in urban areas, customer satisfaction becomes a key factor in business sustainability. Hilande Koffie, located in Medan, offers a variety of pastries and beverages that attract many customers, yet some inconsistencies in taste and service have raised concerns. This study uses a quantitative method with a sample of 45 respondents, applying multiple linear regression analysis through SPSS version 25. The results show that both taste and service quality have a positive and significant effect on customer satisfaction, either partially or simultaneously. The coefficient of determination (Adjusted R²) shows that 65% of the variation in customer satisfaction can be explained by the two independent variables. The findings suggest that maintaining consistency in taste and improving staff professionalism are crucial in enhancing overall customer experience. Therefore, Hilande Koffie is recommended to continuously evaluate and improve both aspects to increase customer satisfaction and loyalty.  

This article examines the case of Warung Sate Kambing in Mojosongo, Solo, with an emphasis on operational activities, business strategies, customer satisfaction, and opportunities for creating applications for digital ordering and payment. The research took a descriptive qualitative approach, applying interview, observation, and literature review techniques. The analysis of this research shows that the application of digital technology, through the creation of web-based applications and the integration of the QRIS digital creation system, can improve service efficiency and expand outreach to customers. The development process is carried out using the Waterfall method to be more organized and systematic.

This study aims to analyze the effectiveness of funding sourced from Danantara—a digital platform that manages state investment with funding support from state-owned bank customers—in supporting the acceleration of national development. In the context of state investment, collaboration between the Investment Management Institution (LPI) and state-owned financial institutions is important as a form of fiscal innovation and expansion of non-APBN financing sources. The method used is a qualitative descriptive approach with literature studies from various scientific journals and related laws and regulations. The results of the study show that Danantara has the potential to be a reliable, flexible, and sustainable long-term funding instrument. Through funds collected from state-owned bank customers, state investment can be focused on strategic sectors such as infrastructure, energy, and digitalization. However, its effectiveness is still faced with regulatory challenges, transparency of governance, and public literacy regarding state investment mechanisms. For this reason, it is necessary to strengthen regulations and synergy between financial institutions, as well as increase public trust so that Danantara can function optimally as the main supporter in realizing fiscal independence and national economic growth.

This study aims to examine whether price and vouchers influence the purchasing decisions of Economics Education student at Universitas Sebelas Maret on the e-commerce platform Shopee. Forty-five respondent who had previously shopeed on Shopee were given questionnaires as part of quantitative approach and causality study methodology. Multiple linear regression analysis, validity, reliability, and classical assumption test were used to analyze the data. The regression coefficients for price (0,434) and vouchers (0,330) indicate that both price and vouchers have a positive and significant impact on purchasing decisions. Based on the F test, these two factors collectively contribute 55% to purchasing decisions. These results highlight the importance of pricing strategies and vouchers in inflluencing Shopee customers shopping decisions. To make findings more generalizable and comprehensive, future reasearch is recomended to increase the number of respondents and incorporate additional variables, such as aspects related to product quality, service, or promotions

Risk control mechanisms in murabahah and mudharabah financing are implemented to anticipate potential risks arising from the customer's position. The objective is to uphold sharia principles while ensuring that the mitigation efforts by Sharia Rural Financing Banks (BPRS) provide advantages for both the bank and the wider community, particularly the customers. This qualitative case study investigates BPRS Madina in Yogyakarta. The findings reveal that BPRS Madina adopts several approaches to mitigate risks in murabahah and mudharabah financing. First, it verifies the completeness of financing documents using available data sources. Second, it checks for any history of problematic financing by the customer. Third, when necessary, the bank conducts restructuring to minimize risk. Additionally, BPRS Madina carries out risk control measures based on DSN MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah Financing and No. 07/DSN-MUI/IV/2000 on Mudharabah. While Islamic financial institutions do not inherently require guarantees in financing, they are permitted to request collateral to prevent losses. This collateral is not intended to ensure full compliance with the contract terms but rather to safeguard the return of the capital provided. Lastly, the risk management strategies employed by BPRS Madina for murabahah and mudharabah financing are deemed effective, as less than 1% of customers currently encounter issues, and operational risks remain well-managed.    

The development of information technology and the increasing use of e-commerce is driving demand for fast and reliable delivery services. This research aims to analyze the impact of delivery time services on customer satisfaction at expedition service companies, with a case study of Lion Parcel Sub Agent Tegal. The research method used is a quantitative method with a survey approach by distributing questionnaires to Lion Parcel Tegal customers. Data were analyzed using validity, reliability, correlation and simple regression tests with the help of SPSS 25 software. The research results showed that there was a significant relationship between delivery speed and customer satisfaction level, with a correlation value of 0.911 and an influence of 83%. This indicates that the faster the delivery service, the higher the level of customer satisfaction. It is hoped that this study can be a reference for expedition service companies in improving the quality of their services to compete in the competitive logistics industry.

This study uses the Mean Value Analysis (MVA) approach to analyze the queuing system at the Mixue Ice Cream & Tea cashier counter on Jalan Pahlawan in Magelang City. The MVA method was chosen because it can handle general time distributions between arrivals and services. The research was conducted through direct observation and interviews over the course of two days, during which time data was collected on the time between arrivals and customer service. The analysis revealed that the system was not in a steady state, as the arrival rate (0.0122 customers per second) exceeded the service rate (0.0111 customers per second). High service variability (CV = 276.30%) compared to arrival variability (CV = 69.46%) indicates service instability. On average, customers waited 47.08 seconds, and the total time in the system was 137.17 seconds. These results are important because they indicate the need for increased efficiency and standardized services to prevent a decrease in service quality.

This research aims to examine the Islamic economic perspective on home-based businesses in improving the welfare of the people on Miang Island, as well as tracing their development and supporting and inhibiting factors. The method used is field research with a qualitative approach and descriptive techniques, with data obtained through observation, interviews, and documentation from primary and secondary sources. The results show that home-based businesses make a real contribution to improving the community's economy by utilizing local potential and applying Islamic values such as honesty, trustworthiness, and fairness in their management. This business is growing rapidly and has become the main alternative to increase family income, while encouraging local economic empowerment. Family support in running the business provides efficiency and strengthens the sense of community, and is supported by community loyalty as regular customers. However, challenges faced include limited capital to expand the business, instability in raw material prices, and competition from larger businesses. These constraints often prevent businesses from increasing their production capacity and reaching a wider market.

Bank credit agreements are often drafted in the form of standardized clauses that are detrimental to customers because they are made unilaterally by banks without room for negotiation. This position imbalance is exacerbated by low legal literacy and information asymmetry between the two parties. This research aims to analyze the ideal form of legal protection for customers in the face of harmful standard clauses. Through a normative juridical approach and case studies, it is found that regulations such as the Consumer Protection Law and POJK have provided a legal basis, but their implementation is still weak. Ideal legal protection includes three aspects: preventive, repressive, and curative, and requires the active role of the state and OJK as supervisors. Regulatory updates, strengthened legal education, and fairer contract supervision are needed to create an equitable and inclusive financial ecosystem. Effective protection will also strengthen public confidence in the banking sector.

Appreciation of IPR in Indonesia is still relatively low and many people consider IPR to be unimportant and even many lay people do not understand IPR. One of them is the protection of trade secrets which plays an important role for both personal and public interests. The research method is normative legal with prescriptive data analysis. Trade secrets cover aspects of pre-production to post-production, including marketing and sales. The use of trade secrets without permission and approval from other parties is a violation of Law Number 30 of 2000 concerning Trade Secrets. The use of information includes production methods, frying, grinding, to marketing and sales of CV ground coffee. Tiga Putra Berlian resembles CV. Bintang Harapan by recruiting employees, offering coffee products that have been produced to CV customers. Bintang Harapan, causing losses and violating Article 17 of Law Number 30 of 2000.