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This study aims to analyze the comparison of features and data integration between two mobile banking applications by Bank Syariah Indonesia, namely BSI Mobile and BYOND by BSI, in enhancing banking transaction convenience. The research method employed is descriptive qualitative through a literature review from various relevant sources. The results show that BYOND by BSI adopts a more modern data integration system using microservices architecture and open APIs, thus providing better transaction convenience and security compared to BSI Mobile, which still relies on a centralized system. Innovative features such as biometric authentication, QRIS, and a more intuitive user interface further enhance the digital banking experience for customers. However, BYOND by BSI still faces performance challenges, particularly in transaction speed, as the application experiences delays (lag) in several features that may reduce user comfort. The study concludes that BYOND by BSI is superior in facilitating banking transactions compared to BSI Mobile. It is recommended that future research be conducted using a quantitative approach to directly evaluate user experience in a more comprehensive manner.

This research is motivated by the limited workforce at Risse Convection, where this convection has not been able to increase income significantly due to limited production capacity caused by a lack of qualified workforce. The aim of this research is to provide concrete recommendations for Risse Convection in developing an effective human resource development strategy to deal with workforce limitations and meet demand for sharia clothing products. The following is the essence of the research based on the problem formulation for copra entrepreneurs in Nagari Lansek Kadok: the majority of copra entrepreneurs in Nagari Lansek Kadok, South Rao District, Pasaman Regency, prioritize excellent service to customers and analyze the growth of their business to increase people's income. Because most of the residents of Nagari Lansek Kadok have lower middle class incomes, the community still views the purchase price given by the seller (copra entrepreneur) as reasonable. The business strategies of Nagari Lansek Kadok copra entrepreneurs, the factors that hinder these entrepreneurs, and the development strategies carried out by traders in this area are things that need to be improved if the residents of Nagari Lansek Kadok, South Rao District, Pasaman Regency can make improvements. to see an increase in their income. The reason behind this is that they continuously incorporate new ideas into the development of their company. Based on the research results, it can be concluded that the human resource development strategy to overcome the limited workforce in Risse Convection Sungai Pua, Agam Regency is: 1. Lack of workforce at Risse Konveksi resulted in reduced production of sharia clothing on the market, workforce competency occurred due to the lack of special training for employees, resulting in the work being completed more slowly or not on time. To overcome this problem, Risse Convection implements an annual reward system, and employee training is carried out personally. For new employees, Risse Convection uses its convection advantages in innovative sharia clothing designs to be able to recruit employees from the surrounding area or outside the village/nagari as well as the use of social media to promote new design innovations to reach a wider audience and increase brand visibility. 2. By using the SO (Strength-Opportunity) strategy method, namely optimizing existing strengths by taking advantage of existing opportunities. The SO (Strength-Opportunity) strategy that can be applied in increasing employment at Risse Convection is: utilizing excellence in innovative sharia clothing design to recruit employees from the surrounding area or outside the village/nagari and maintaining an annual reward system for employees who work hard to improve motivation and productivity.

This study aims to analyze the effect of retail layout on customer satisfaction levels at PT Trans Retail Medan Carrefour. In an increasingly competitive retail industry, store layout is one of the strategic factors that can affect comfort, shopping efficiency, and customer perceptions of service quality. This study uses a quantitative approach with descriptive and associative methods, involving 60 respondents who are active customers of Transmart Carrefour Medan. Data collection techniques were carried out through distributing questionnaires and direct observation. The results of multiple linear regression analysis show that retail layout has a significant effect on customer satisfaction, with a contribution of 75.9% to the variation in satisfaction levels. The layout factors that contribute the most include product placement, aisle design, lighting, signage, and ease of access between areas. These findings emphasize the importance of optimizing store layout as a strategy to improve the shopping experience and customer loyalty. Thus, retail management is advised to continue to evaluate and innovate in spatial planning in order to meet consumer expectations sustainably.  

Competition in the business world today is increasingly fierce. This is also felt business people in the welding workshop services sector. The sampling method used is Incidental Sampling Method. The sample in this study was 34 people customers from the JJ Welding Workshop in Medan City and then an analysis was carried out on data obtained using quantitative data analysis. Analysis Quantitative includes: validity and reliability tests, classical assumption tests, regression analysis multiplex, hypothesis testing via t test and F test, and coefficient analysis determination. The results of this scientific research: Service Quality, Price and Location simultaneously have a positive and significant effect on customer satisfaction at the JJ Welding Workshop in Medan City.

The purpose of this article is to examine how customer happiness at Kenzie Barbershop in Medan is impacted by pricing, location, and service quality. 96 respondents (customers) made up the sample for the quantitative approval. The findings indicate that customer happiness is significantly positively impacted by service quality, with location and pricing coming in second and third. The results indicate that in order to boost client happiness, Kenzie Barbershop should give priority to enhancing service quality. In order to draw in and keep clients, the barbershop should also think about its advantageous location and affordable prices.At Kenzie Barbershop, pricing, location, and service quality all have a positive and considerable simultaneous impact on client satisfaction.

This study examines how branding ambassador Syifa Hadju and content marketing affect Glad2glow skin care purchases. The research will focus on @glad2glow Instagram followers. This research was inspired by severe local perawatan kulit competition and consumer apathy about buying. Glad2glow hired Syifa Hadju as its brand ambassador and implemented a social media content marketing campaign to address this challenge. Using a Likert-scale questionnaire, quantitative data was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) and SmartPLS software. According to the research, Syifa Hadju significantly improves the possibility of customers completing a purchase, while engaging and consistent content marketing enhances audience engagement. Both components boost customer purchase intent, but the brand ambassador has a greater impact. These findings help create effective digital marketing strategies in the competitive perawatan kulit business.

The vehicle ownership transfer form submission service at the Samsat Tandes Office in West Surabaya is a vital public service that frequently encounters issues such as long queues and extended waiting times. These conditions lead to user dissatisfaction and reduce the operational efficiency of the institution. This study aims to optimize the existing queuing system through a simulation-based approach to enhance service effectiveness and efficiency. The methodology includes mapping the current service process, collecting data on service times and customer arrivals, and modeling the queuing system using simulation software. Subsequently, several improvement scenarios were analyzed, including the addition of server resources. The simulation results indicate that the scenario involving the addition of one extra server during peak hours yields the most significant impact—reducing average customer waiting time by up to 20% and increasing the number of customers served per day. These findings demonstrate that simple interventions based on simulation analysis can produce substantial improvements in public service quality. In conclusion, a simulation-based approach proves to be effective in supporting strategic decision-making for queue system optimization and is highly recommended for implementation in other public service units facing similar challenges.

Inter industry benchmarking has become an important strategy for comanies to improve their competitiveness by mapping the advantages of other sectors. This research addresses the implementation of benchmarking as a transformative tool that allows companies to learn from best practices beyond the traditional boundaries of their industry. With a qualitative descriptive approach, this research explores the latest literature as well as real case studies of Indonesian companies such as PT. Astra International, Bank Mandiri, and Garuda Indonesia. The implementation of benchmarking in the three mentioned companies shows indusa positive impact in the from of increased operational effiensiency, innovation in products or services, and customer satisfaction. This study also highlights the challenges in implementing inter industry benchmarking, including internal resistance, resource limitations, and contextual adaption difficulties. Key success factors such as management commitment, cross-functional collaboration, and the use of modern technology are deteminants of the success of this process. Inter industry benchmarking not only improves efficiency but also creates added value for customers and strengthens the company’s position in the global market.

The reason for this study was to determine the impact of brand image, product quality, and promotion on purchasing decisions of Pizza Hut consumers. The population is Pizza Hut customers, with a sample of 150 respondents taken using non-probability sampling techniques with purposive sampling method. PLS was used as an analytical tool in this study. This study shows that brand image has a positive, but insignificant, impact on purchasing decisions of Pizza Hut consumers. On the other hand, product quality has a positive and significant impact on purchasing decisions of Pizza Hut consumers. In addition, promotion also has a positive and significant impact on purchasing decisions of Pizza Hut consumers.

This study aims to analyze the legal protection for insurance customers in the settlement of policy claims at PT Asuransi Bumi Putera, with reference to Law No. 8 of 1999 concerning Consumer Protection. The main problem faced by customers is the delay in payment of claims, which is contrary to the main purpose of insurance to compensate for losses experienced by customers. Based on available data, many claims have not been paid, indicating the non-compliance of insurance companies with their obligations. This research examines the forms of legal protection regulated in the Consumer Protection Law, particularly regarding the customer's right to obtain clear information, compensation, and dispute resolution. In addition, this study also highlights the preventive and repressive aspects of legal protection, where preventive protection aims to prevent disputes from occurring, while repressive protection provides legal avenues for aggrieved customers to obtain compensation. While the law has provided a clear basis of protection, consistent implementation and enforcement are still needed to ensure customer rights are fulfilled. This research is expected to contribute to improving legal protection for insurance customers in Indonesia, as well as encouraging insurance companies to fulfill their obligations in a timely manner in accordance with applicable regulations.

This study analyzes the impact of service quality, store atmosphere, and price fairness on customer satisfaction and its effect on loyalty at Kaisar Barbershop Semarang. A quantitative approach using PLS-SEM was employed, with 145 purposively sampled respondents (criteria: customers who used the service at least twice in the last three months). Data was collected via a 7-point Likert scale questionnaire and analyzed using SmartPLS. Results show that service quality is the most dominant factor (path coefficient 0.732), followed by store atmosphere and price fairness (each 0.135). Customer satisfaction also significantly influences loyalty (0.935). These findings assist management in improving strategies to maintain customer loyalty in a competitive market

Information technology (IT) has become a key element in the development of the financial industry, including Islamic banking. A primary challenge for IT management in Islamic banks is data security from cybercrime, which can damage the bank’s reputation and customer trust. This study aims to further examine the challenges and efforts that Islamic banks can undertake to enhance IT security. The research methodology uses a qualitative approach with descriptive methods and literature review to describe the phenomenon in depth based on data and information from various relevant literature sources. The study’s findings show that Islamic banks need to strengthen security through encryption, continuous monitoring, and employee training on cybersecurity. The conclusion of this study recommends that Islamic banks continue to raise awareness among employees and customers about security risks and ensure regulatory compliance. This research is expected to serve as a reference for Islamic banks in maintaining information security in the digital era.

PT. Radysa Cosmetic is one of the businesses engaged in the distribution of beauty and cosmetic products such as Make Up, Body Care, and Skincare located in Medan City, Jl.Sisingamaraja, Medan Amplas District. However, it has a problem, namely the lack of access points in and out causing disruption to the efficiency of warehouse operational activities so that there is an increase in the number of customers and couriers who come directly to Radysa Cosmetic to make purchases because there is a spike in orders for goods or purchases at the beginning and twin dates every month. The research method used is qualitative in the form of descriptive, where data is collected through direct observation and research as well as interviews with the warehouse head. The results of this study indicate that by implementing the utilization or addition of access points in and out of the warehouse area, it can realize the optimization of the warehouse layout to increase the efficiency of operational activities in the Radysa Cosmetic warehouse.

In order to provide financial access to groups in society that are not yet fully served by formal financial institutions, cooperatives have become very important. LKMS Amanah Berkah Nusantara Cooperative is one example of a sharia cooperative, with a non-profit model and a strong social orientation, this cooperative is here to be a solution to financial problems in the business being run. The cooperative needs to be more adaptive in strategizing its development in the face of changes in the current external environment. This research uses the Matrix Space approach, measuring four dimensions, namely financial strength, competitive advantage, industry strength and external environmental stability. As a result, Amanah Berkah Nusantara MFI Cooperative is in an aggressive strategy position as shown through the calculation of space coordinates (X = 4; Y = 0.67), which means that the cooperative has significant strengths in industrial strength and fairly good environmental stability, although it still faces challenges in terms of internal efficiency and technological competitiveness. The most recommended strategy is an active growth strategy that includes regional expansion outside the sub-district, strengthening the inetrnal digitalization system, and differentiating services through intensive assistance to customers

This community service activity (PKM) aims to improve operational efficiency and service quality at Santosa Catering through the implementation of a web-based catering ordering system. Santosa Catering, as a micro business, faces obstacles in managing orders that are still done manually, which causes inaccurate stock information, delays in delivery, and limited customer access to menus and prices. Through a Diffusion of Science and Technology and Knowledge Transfer approach, a web-based ordering system was developed and implemented to support business operations. The system allows customers to access real-time menu information, place online orders, and choose preferred payment methods, while the owner and staff were given intensive training to effectively operate the system. The evaluation results showed significant improvements in all aspects of assessment, including understanding of system features, operational skills, time efficiency, and customer satisfaction, as shown in the comparison chart of pretest and posttest results. The system not only optimizes operational processes but also increases customer satisfaction, strengthens business competitiveness, and has the potential to become a model for other micro businesses in utilizing digital technology. Thus, this PKM activity is expected to contribute to the sustainability of Santosa Catering's business in the digital era.

This research was conducted with the aim of describing the behavior and outlining the strategies implemented by Pertamini retail gasoline traders in maintaining their businesses after the establishment of a gas station in Umbulan Village. The use of methods in this research is descriptive qualitative research with data collection techniques through observation, in-depth interviews, and documentation. In this study, it was found that the behavior of Pertamini retail gasoline traders after the establishment of a gas station in Umbulan Village is more dominantly influenced by external factors from the surrounding environment or market conditions such as the gas station's operating hours, the shift of customers to the gas station, and the proximity to the gas station in Umbulan Village. Thus, the Pertamini retail gasoline traders demonstrate resilience by adapting to market changes and remaining focused on their main objectives, as reflected in their commitment to keep their business open every day despite having few customers. Traders also build close relationships with local customers and suppliers, which are not only based on economic transactions but also on social relations. Although there are disputes between the retail gasoline traders and the Umbulan Village gas station, the traders strive to maintain good relationships. Then, the traders maintain their relationship patterns through good communication and close social interactions, which highlight the importance of social norms in maintaining harmonious relationships. By implementing adaptation strategies, achieving goals, integration, and maintaining good relationship patterns, they strive to survive in the increasingly fierce competition.

The rise of digital transformation and increasing competition in the Islamic financial sector require microfinance institutions such as KSPPS BMT NU Sejahtera Bumiayu to implement innovative strategies to build competitive advantage. This study aims to analyze the development of innovative services through the Blue Ocean Strategy (BOS) framework, which focuses on value creation and the discovery of untapped market space. A descriptive qualitative method was employed, with data collected through in-depth interviews involving management and active customers. The findings indicate that based on external analysis (PEST and Five Forces) and internal evaluation, the institution holds strong potential to develop service strategies driven by innovation. The application of the ERRC Grid led to several strategic actions, including eliminating administrative fees, simplifying procedures, enhancing service quality and technology, and developing the digital application BMT Mobile. The study concludes that BOS is an effective strategic framework for expanding inclusive, community-based Islamic finance. The results contribute both theoretically and practically to the development of adaptive and competitive Islamic microfinance service models.

This study aims to analyze the internal and external conditions of Kedai Kubo Kopi in Bandar Lampung using the SWOT approach and identify priority factors in marketing strategies to increase sales volume. A qualitative approach was used through interviews with owners, employees, and customers to obtain relevant data. The results of the SWOT analysis show that Kedai Kubo has strengths in high-quality manual brew coffee products, affordable prices, strategic location, friendly service, and attractive interior design. Its weaknesses include limited product variety, low profit margins, limited space during peak hours, dependence on digital promotions, and inadequate staff. Opportunities that can be utilized are the increasing public interest in quality coffee, potential collaboration with influencers, the growth of the coffee market in Indonesia, and the use of social media. The threats faced are competition from large coffee shops and franchises, fluctuations in raw material prices, changes in coffee consumption trends, and reputation risks due to inappropriate promotions. These findings indicate that Kedai Kubo Kopi needs to maximize existing strengths and opportunities, as well as overcome weaknesses and mitigate threats to increase sales volume effectively.  

The practice of leaking customer data by banks to third parties, such as Mata elang, raises serious problems in the context of personal data protection in Indonesia. This action not only threatens the individual's right to privacy but also has the potential to violate the legal provisions stipulated in Law Number 27 of 2022 concerning Personal Data Protection. This article aims to analyze the legal basis violated by this practice and provide a legal solution in an effort to protect customer rights. The formulation of the problem in this study is what form of legal violation of data leaks by banks to Mata elang and what is the legal enforcement mechanism. This study uses a normative legal method with a statutory and conceptual approach. Data were obtained through a literature study of relevant regulations and supporting scientific literature. The results of the analysis show that leaking customer data to third parties without valid consent is a violation of the principles of data processing in the PDP Law, especially regarding legality, transparency, and protection of data subjects. Banks as data controllers are responsible for the leak and can be subject to administrative, civil, or criminal sanctions. In closing, this study recommends strengthening internal bank regulations, strict supervision by regulatory authorities, and increasing legal awareness for customers. This effort is important to ensure the security of personal data and uphold the right to privacy in the banking system.

This study aims to analyze the influence of service quality on customer satisfaction at Erlin Beauty Gallery beauty salon, West Pasaman. In an era of increasingly tight competition in the service business, service quality is a key factor in maintaining customer loyalty. This study uses a quantitative approach with a survey method. Samples were taken as many as 45 respondents using a simple random sampling technique. The research instrument was arranged based on five dimensions of, namely tangibles, reliability, responsiveness, assurance, and empathy. The results showed that service quality has a positive and significant effect on customer satisfaction at the beauty salon at Erlin Beauty Gallery. Service quality has a significant effect on customer satisfaction at Erlin Beauty Gallery Beauty Salon with a significant value of 0.000 ≤0.05 and a t count value of 5.504≥ t table 2,017, it can be concluded that service quality has a positive and significant effect on customer satisfaction at Erlin Beauty Gallery beauty salons. Therefore, it is important for beauty salons to be able to improve the quality of service provided to customers so that customer satisfaction is met and they decide to undergo treatment at ErlinBeuty.