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This research analyzes the implementation of the 7P marketing mix framework—comprising product, price, place, promotion, people, process, and physical evidence—at Bank Syariah Indonesia (BSI) to attract consumer interest in adopting sharia-compliant savings products within an increasingly volatile banking environment. Amidst accelerating retail competition following consolidated structural expansions, the main objective of this study is to trace the relationship between strategic structural integration and retail consumer acquisition dynamics. The methodology incorporates a qualitative case study paradigm operating primarily through continuous field observations at physical institutional touchpoints combined with an extensive evaluation of web-based portal data and corporate disclosures. The key findings reveal that the proactive orchestration of zero-administration deposit schemes, transparent sharia-compliant pricing margins, broad multi-channel distribution, targeted digital netnography campaigns, and highly optimized automated mobile routing systems collectively acts as a core catalyst for amplifying consumer market trust and broadening retail account portfolios. The study concludes that the seamless integration of digital service architectures with traditional branch infrastructures under sharia tenets remains vital for maintaining structural growth and securing long-term institutional presence in competitive regional commercial banking fields.

Employee integrity plays an important role in maintaining company trust and reputation. This study aims to analyze the effect of flexibility of working hours and work stress on employee integrity at PT Bank Negara Indonesia Inc. The purpose of this study was to analyze the effect of working hour flexibility and work stress on employee integrity at PT Bank Negara Indonesia Tbk, especially in the DGL (Digital Development) division in the mobile banking team. The research design adopted in this study is quantitative research with a descriptive approach. Data were collected from 33 respondents through questionnaires. The data were analyzed by carrying out instrument tests which include validity and reliability tests, classical assumption tests, then followed by multiple linear regression, partial tests, simultaneous tests and coefficient of determination tests. The results of this study show that partially, flexibility in working hours has a positive and statistically insignificant effect on employee integrity. Job stress has a negative and statistically significant effect on employee integrity. Simultaneously, both variables affect employee integrity at PT Bank Negara Indonesia Tbk. The results of this study have important implications for company management in developing strategies that improve employee integrity.

Financial inclusion is an important pillar in equitable economic development, especially in Indonesia with a majority Muslim population. However, the contribution of Islamic financial institutions (LKS) to national financial inclusion is still low due to limited innovation, access, and public literacy about Islamic finance. This study aims to analyze the role of LKS innovation in accelerating financial inclusion in Indonesia. The research method uses a descriptive qualitative approach with literature studies and secondary data analysis from various related reports and publications. The results show that service digitalization, product diversification, and strengthening the halal ecosystem are the main strategies of LKS innovation. Digital innovations such as sharia mobile banking, fintech, as well as microfinance services and the halal sector have proven effective in expanding access to Islamic finance, especially for MSMEs and communities in remote areas. Synergy between the government, regulators, and industry players is needed to create an inclusive and sustainable Islamic financial ecosystem. The implications of this study emphasize the importance of continuous innovation and Islamic financial literacy education to increase the role of LKS in supporting national economic growth based on Islamic values.

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.

Financial innovation plays a crucial role in increasing people's access to economic services, especially in the ever-evolving digital era. Through various forms of innovation such as digital financial services, fintech, mobile banking, and electronic payment systems, people, including those in remote areas—have made it easier to reach banking, investment, and financing services. These innovations help overcome various conventional barriers, such as limited physical infrastructure, high transaction costs, and the unaffordability of formal financial services. In addition, the presence of financial technology also expands financial inclusion by providing products and services that are more flexible, cheap, and easily accessible through mobile devices. This not only encourages local economic growth, but also empowers micro, small, and medium enterprises (MSMEs) to develop their businesses. However, challenges remain, such as the need for financial literacy, consumer data protection, and adequate regulatory oversight. Therefore, synergy between the government, financial institutions, technology providers, and the community is important to ensure that financial innovation can be utilized optimally and sustainably in promoting inclusive economic prosperity. Financial innovation is not just a technological advancement, but a strategic solution towards economic justice.

Digital payment, also referred to as digital payment, is a type of payment that uses electronic media such as SMS banking, internet banking, mobile banking, and electronic wallets. According to McLeod, electronic commerce, also called e-commerce, is the use of communication networks and computers to carry out business processes. This study aims to analyze the latest trends in digital payments in e-commerce, factors that influence digital payments, the impact of using digital payments , and analysis related to the advantages and challenges faced by businesspeople in implementing digital payment systems. The study was conducted through a descriptive qualitative approach with a literature study design. Businesses gain many benefits from digital payments, such as efficiency and better customer experience. To improve customer experience and drive sustainable growth, businesses can implement strategies such as education and training, development of technology infrastructure, diversification of payment methods, increased security, loyalty and incentive programs, data analysis, and collaboration with payment service providers.

This study uses a qualitative method with a case study approach to analyze the marketing strategies employed by Bank Syariah Indonesia (BSI) in increasing market share through the utilization of information technology. In the rapidly evolving digital era, the use of information technology has become a crucial factor for Islamic financial institutions to reach a wider customer base and provide more effective and efficient services. This study examines how BSI integrates digital technology into its marketing strategies, including the use of online platforms, mobile banking applications, and social media for product education and promotion. The findings reveal that the utilization of information technology not only improves service accessibility but also strengthens customer relationships through more personal and responsive interactions. This strategy contributes to increased customer loyalty and expands BSI’s market share amid competition in the Islamic banking industry. This study provides valuable insights for developing digital marketing in the Islamic financial sector that is adaptive to technological advancements.  

This research uses a qualitative method to examine effective marketing strategies implemented by Islamic banks in enhancing competitiveness in the digital era. Amid increasingly intense competition in the financial industry and rapid technological advancements, Islamic banks are required to adapt and utilize various digital platforms as marketing tools. This study focuses on analyzing digital marketing strategies such as the use of social media, mobile banking, and content marketing to build brand awareness and customer loyalty. Data were collected through in-depth interviews with Islamic banking practitioners and observation of their digital marketing activities. The findings reveal that integrating sharia values with digital technology creates a unique, relevant, and highly competitive marketing approach. Furthermore, the ability of Islamic banks to understand the needs of the millennial and Gen Z generations is a key factor in expanding their market share. Therefore, adaptive, innovative, and value-based marketing strategies are essential foundations for facing the digital era.

This study examines the payment practices for haircut services at the Ma’had Al-Zaytun Barbershop through the lens of al-maslahah theory. Employing a qualitative field‐research design, data were collected via observation, in-depth interviews, and documentation analysis. Findings reveal a centralized payment system handled at the Al-Zaytun Store, accommodating both cash and cashless transactions. Cashless payments are processed by deducting students’ savings or via mobile banking for the general clientele. Classified as ḥājiyyah maslahah, this system facilitates financial record-keeping and offers flexible payment options. It also attains the ḍarūriyyah level by preventing losses and safeguarding the barbershop’s assets. The provision of receipts and precise financial reporting embodies the principles of justice, clarity, honesty, and social welfare. Nevertheless, the absence of a written policy on receipt validity may generate misunderstandings and weaken these principles. Overall, the payment practice aligns with the objectives of maqāṣid al-sharīʿah, particularly the protection of wealth (ḥifẓ al-māl).

This research aims to determine and analyze the influence of Mobile banking, Internet banking, digital transformation of financial performance in banking companies listed on the IDX for 2019-2023. The sample size was set at 5 banking companies with observation data from 2019 to 2023. The type of data used is secondary data in the form of panel data. The data analysis technique used is multiple linear regression with the Eviews application. The results of this research show that Mobile banking, Internet  Banking and digital transformation simultaneously influences financial performance; Mobile banking partially has a positive and significant effect on financial performance; Internet  Banking partially has a positive but not significant effect on financial performance; Digital transformation partially has a positive but not significant effect on financial performance. It is hoped that companies can implement and improve information technology infrastructure in services digital banking and can be implemented by banking companies to improve company performance.

This study aims to determine how satisfied people are in using the Action Link application which is a mobile banking owned by Bank Aceh Syariah. The growth of technology that continues to increase from year to year so that this can have an impact on society. Technology has developed rapidly and is increasingly modern, many companies are developing performance in the information sector so that people are adopted in using online services via smartphones such as the Action service (Aceh Online Transaction) at Bank Aceh Syariah. This study uses descriptive analysis as a research approach that uses qualitative research. The technique used in this study is to conduct interviews with customers and distribute questionnaires to users of the Action application. The results of the study show that M-Banking Action makes it very easy for customers to make transactions, but there are some shortcomings in the application because there are no complete features. The quality of service also certainly has an impact on customer perceptions in using the application so that customers are still less confident in using Action if the service provided is bad and there are still those who feel less safe in using it.

This study aims to analyze the implementation of the Betang Mobile application as an innovation in welfare services for MSME partners at PT. Bank Pembangunan Kalimantan Tengah. The study uses a qualitative approach with in-depth interviews and document analysis to explore the experiences and perspectives of various stakeholders involved, including MSME customers, customer service, and bank management. The research method applied is a case study with an innovation diffusion theory approach as proposed by Everett M. Rogers (1995). In this study, five key characteristics of innovation diffusion relative advantage, compatibility, complexity, trialability, and observability are used to evaluate the impact and acceptance of the Betang Mobile application among MSME partners. Data collected from interviews with informants, including MSME customers and customer service, indicate that 75% of MSME players feel the application enhances service access, while 85% of users find the application compatible with their needs. The findings show that the Betang Mobile application has provided benefits in terms of efficiency and ease of access for MSME partners. About 40% of users report increased satisfaction, and 82% consider the application more efficient compared to traditional methods. Challenges include the adoption of technology by older MSME players and those in remote areas. Based on these findings, the study recommends that Bank Pembangunan Kalimantan Tengah focus on digital education for MSME partners, strengthen data security systems, and consistently update features to maintain the application's relevance. In conclusion, the Betang Mobile application has proven to make a positive contribution to the welfare services of MSME partners, with visible impacts on the accessibility and efficiency of banking services. To enhance the effectiveness of this application, it is recommended that Bank Pembangunan Kalimantan Tengah address challenges related to technology adoption and data security, as well as conduct regular evaluations of the application's features to keep them aligned with evolving user needs.

This study aims to evaluate the QRIS management program for new users of Bale by BTN Mobile at Bank BTN KCP Ketintang, especially in the distribution of Surabaya University student identification cards and customer service. The method applied is descriptive qualitative with data collection through interviews, in-depth observations, and documentation. There are four informant subjects related to this research, namely new customers, business people, customer service, and funding parties of Bank BTN KCP Ketintang, selected to obtain an in-depth understanding of the effectiveness of the program. The results showed an increase in the use of QRIS among new users of Bale by BTN. Through the cashback program, customers can use QRIS regularly. However, the use of technology and online systems in this program still faces challenges, especially related to technical problems that often arise in Bale by BTN mobile banking, which can hinder the smooth activation process.

This research aims to analyze the influence of the application of information technology on increasing the efficiency of business processes in the banking sector. In an increasingly competitive and dynamic business environment, operational efficiency is one of the keys to success for banks. The application of information technology through various digital systems, such as Internet Banking, Mobile Banking, and cloud computing-based platforms, has been proven to speed up transactions and reduce operational costs. Apart from that, automating business processes through ERP and CRM also increases accuracy and makes data-based decision making easier. However, the implementation of this technology faces challenges, such as limited technical skills and organizational cultural resistance. However, proper use of IT can increase productivity, customer satisfaction and strengthen the bank's competitive position. This research provides insight into the importance of IT investment in supporting digital transformation and operational efficiency in the banking sector.

This study analyzes the influence of ease of use and security on customer satisfaction with the mobile banking services of Bank Sumsel Babel Syariah, particularly among students of the Faculty of Islamic Economics and Business at UIN Raden Fatah Palembang. Using a quantitative approach, data were collected through questionnaires from 100 respondents. The results indicate that ease of use does not have a significant effect, while security has a positive and significant impact. Collectively, ease of use, security, and trust contribute 78.5% to customer satisfaction variability. The study recommends enhancing security systems and usability of the mobile banking application, as well as educating customers on safe usage practices.

The advancement of payment technology has shifted the role of cash to non-cash systems. Generation Z plays a significant role in the adoption of this technology. One of the innovations introduced by Bank Indonesia is the Quick Response Code Indonesian Standard (QRIS), launched on August 17, 2019, to support digital payments through server-based e-money applications, e-wallets, or mobile banking. This study aims to analyze the factors influencing QRIS usage behavior among Generation Z based on the Unified Theory of Acceptance and Use of Technology (UTAUT). The study employs a quantitative method involving 275 respondents collected through an online questionnaire. Data are analyzed using SmartPLS. The results show that performance expectancy, facilitating conditions, and social influence have a positive influence on QRIS usage behavior. In contrast, effort expectancy does not have an influence. These findings are expected to support strategies for increasing QRIS adoption among Generation Z.

The Samsat Digital application is designed to improve efficiency and transparency in the management of motor vehicle taxes in South Sumatra. The main goal is to provide the best service to the public using information technology. The Samsat Digital application is an innovative solution that aims to make it easier for the public to access motor vehicle tax administration services. This application provides various features that allow users to make vehicle tax payments, check tax status, extend STNK, and search for information related to Samsat services online. Through mobile application-based technology, Samsat Digital seeks to reduce long queues at Samsat offices, increase time efficiency, and provide a more practical user experience. This system is equipped with secure authentication features, tax payment reminder notifications, and integration with various digital payment methods such as e-wallets, mobile banking, and credit cards.Keyword : Aplikasi Samsat Digital.

This study aims to analyze the marketing strategy of PT Bank Perkreditan Rakyat (BPR) Swadaya Anak Nagari in attracting people's interest in saving money in Bandarejo Hamlet 1, West Pasaman Regency. A qualitative approach was used through field method with interviews, observation, and documentation. Research results showed that PT BPR Swadaya Anak Nagari implements four main marketing strategies: product strategy, price, and documentation. four main marketing strategies: product, price, promotion, and location strategies. Featured products such as KMB Savings (Kacio Mingguan Bajapuik) offers a savings collection service from the customer's home, making it easier for customers to save. service from the customer's home, providing convenience for people who find it difficult to reach bank locations. reach the bank's location. Direct promotion strategy through personal communication is the main key to success, building a close relationship between customers and the bank. bank. The strategic location of the bank office also contributes to the ease of access services. However, interest in saving, especially among teenagers and young adults, still low due to limited facilities such as ATM cards and mobile banking services. banking services. This finding highlights the need for the development of digital innovations to increase product appeal and expand market share. Research concluded that promotional strategies dominate in increasing the number of customers, while adapting to technology needs is a challenge to encourage wider to encourage wider interest in saving. This research provides important insights important insights for the management of marketing strategies in the local banking sector.

This research used a quantitative method with a sampling technique using the Slovin formula to obtain 95 samples. The data collection technique uses a questionnaire. The research results show that the service feature variable (X1) influences customer satisfaction (Y). The results of the t test for service features on customer satisfaction obtained a value of tcount > ttable (3.429>1.986) and a significance value smaller than probability (0.000 ttable (8.264 > 1.986) and a significance value smaller than probability (0.000 < 0.05), meaning that administration costs have an effect on customer satisfaction. The simultaneous test shows that the fcount value is 114.028 and the ftable value is 3.09 (114.028 > 3.09) with a significance level of 0.000 < 0.05. The conclusion of this research is that service features and administration costs influence customer satisfaction using mobile banking at Bank Syariah Indonesia KC Lahat.  

Based on observations, most students at STKIP Majenang use m-banking because of the factors of speed, convenience, and convenience in transactions. Because of these factors, they choose to use e-commerce for shopping to meet their needs. However, not everyone can control themselves when they see a variety of interesting items, so they often khilaf and buy goods outside of need. This study aims to determine the influence of the use of mobile banking and e-commerce on the consumptive behavior of STKIP Majenang students, both partially and simultaneously. This study uses a quantitative type of research approach. The population in this study is all students of STKIP Majenang who have mobile banking and e-commerce applications, amounting to 79 people. Sampling in this study used saturated samples, where all populations were sampled. Data collection techniques in this study are observation, interviews, and questionnaire distribution. Multiple regression tests showed significance values of 0.285 > 0.05 and calculated t values of 1.077 < t values of tables of 1.991. The results of the hypothesis test (partial test), where the significance value is 0.03 < 0.05 and the calculated t value is 3.045 > t table 1.991. In the calculation of the correlation coefficient obtained, the F count is 7.176 > F table is 3.12, and the significance level is 0.001 < 0.05 The results showed that there was no influence between mobile banking and student consumptive behavior. However, there is a positive and significant influence between e-commerce and consumptive behavior. And there is a significant influence between mobile banking and e-commerce on student consumptive behavior