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The integration of Artificial Intelligence (AI) chatbots into customer service operations within digital banks has become a transformative trend in the banking sector, particularly in Indonesia. This study examines the effectiveness of AI chatbots in improving both operational efficiency and customer satisfaction in three selected Indonesian digital banks. The research focuses on evaluating the impact of AI chatbots in reducing response times, handling high volumes of customer inquiries, and improving service availability. The study also delves into customer feedback, measuring satisfaction with the ease of use, personalization, and responsiveness of the AI systems. The results demonstrate that AI chatbots significantly enhance customer service efficiency by reducing wait times and automating routine inquiries, which reduces the need for human intervention. Additionally, customers reported high satisfaction with the round-the-clock availability of AI chatbots and the personalized financial advice provided. However, despite these benefits, challenges related to data security, chatbot accuracy, and customer adaptation to automated systems remain prevalent. Data privacy concerns and issues regarding the chatbot's ability to handle complex queries were noted as limiting factors in customer trust and satisfaction. The study highlights the implications of these findings for the future of digital banking in Indonesia, emphasizing the need for improved chatbot integration, stronger data security measures, and enhanced user experience design. The integration of AI in customer service operations holds significant potential for digital banks and the broader financial sector to improve operational efficiency, reduce costs, and meet the evolving expectations of customers.

Augmented Reality (AR) technology has emerged as a transformative tool in the e-commerce industry, enhancing the online shopping experience by offering interactive and immersive features. This study explores the impact of AR on consumer behavior, focusing on key factors such as trust, satisfaction, purchase decisions, and customer loyalty. Through a user experiment, participants interacted with AR-integrated e-commerce platforms, testing features such as virtual try-ons and product visualizations in real-world contexts. The results revealed that AR significantly enhances consumer trust, with more realistic and accurate product visualizations increasing confidence in both the product and platform. Customer satisfaction was also notably higher after interacting with AR features, with users reporting a more engaging and enjoyable shopping experience. Furthermore, purchase intention was positively influenced by the ability to visualize products and receive real-time, interactive feedback. Repeated exposure to AR led to increased customer loyalty, as participants expressed a higher likelihood of returning to use AR tools in future shopping experiences. These findings suggest that AR provides a strong competitive advantage for e-commerce platforms, enabling them to differentiate themselves in a crowded market by offering personalized, engaging, and trust-building shopping experiences. This research also highlights the practical implications for e-commerce businesses, recommending the integration of user-friendly and interactive AR features to enhance engagement, satisfaction, and decision-making. Future research should explore the broader applications of AR across industries and consumer segments to further understand its potential to revolutionize online shopping.

This research aims to determine and analyze the influence of service quality, price and satisfaction on customer loyalty at Foto Copy Ujung Bulu Uepai, secondly to find out and analyze the influence of service quality on customer loyalty at Foto Copy Ujung Bulu Uepai, third to find out and analyze the influence of price on customer loyalty on Ujung Bulu Uepai Photo Copy and further to find out and analyze the influence of satisfaction on customer loyalty on Ujung Bulu Uepai Photo Copy. The sampling technique used in research is opportunity sampling, where the sample is determined based on chance and anyone who happens to meet the researcher and is deemed suitable as a data source can be used as a sample. The results of this research are: Based on the results of the data analysis that has been obtained, it can be concluded that the variables of service quality, price and satisfaction simultaneously and partially have a positive and significant effect on customer loyalty at Ujung Bulu Uepai Photo Copy.

More time can be identified by applying AI to Big Data analysis in order to automate business processes on the platform. With the advent of AI and machine learning technologies, businesses can now interact with customers automatically because these technologies can provide honest feedback directly from customers. Many businesses currently use chatbots, which enable employees to communicate with customers around-the-clock. In business, machine learning can help determine the status of goods shipment. Data-data is time-based information that is analyzed to make it suitable for determining the status of the transaction. In addition, the use of machine learning can provide information about often purchased goods and assist consumers in examining goods that are highly valued

This research aims to determine the benefits of applying financial technology to the use of BTN Syariah mobile banking for BTN Syariah customers. It is known that BTN Syariah e-banking plays an important role in making it easier for customers to carry out transactions quickly and efficiently without having to go directly to the bank, just using a smartphone, customers can carry out transactions in banking. This writing uses a descriptive qualitative method which aims to explain and describe clearly and in detail the existence of a problem that occurred. The writing method for this article also uses library research or literature research which takes sources or references through previous journal articles and also sources from the internet.    

The traditional food and beverage industry in Medan, Indonesia, is undergoing significant changes as Industry 5.0 technology becomes more integrated. This research explores the impact of this transformation through data analysis from 143 traditional culinary businesses. The focus is on evaluating the extent to which Industry 5.0 has been adopted, identifying factors that drive or hinder its adoption, and analyzing how this affects business operations and customer experiences. We utilized Structural Equation Modeling with Partial Least Squares (SEM-PLS) to examine the relationship between business characteristics, workforce readiness, Industry 5.0 adoption, and its implications for operational and customer experiences. We used descriptive statistics to understand demographic and technological profiles, while measurement model evaluation demonstrated the validity and reliability of our survey. Path analysis and bootstrap analysis were employed to confirm relationships, while fit model evaluation, R², and Q² provided insights into overall model robustness. Our findings contribute to academic knowledge, provide guidance for business owners in making strategic decisions, and establish standards for future research on Industry 5.0 adoption in the traditional sector.

In the context of doing business and interacting with others, ethics plays a crucial role. Business ethics is not just an element, but a determinant of the success of a business. This study aims to investigate and analyze the role of Business Ethics in building consumer trust and satisfaction. The research method applied is Systematic Literature Review (SLR) with a focus on journals that have been published from 2014 to 2023. The results of this study, namely: 1. Business ethics has a positive effect on consumer trust, 2. Business ethics has a positive effect on customer satisfaction.

In today's modern era, marketing is often referred to as the main influence of a business that produces goods or services. Marketing requires a variety of continuous development and strategy changes in order to maximize the potential for success and achieve sustainability. Regarding marketing strategy, if it is not able to control the existing growth, it will not only result in the downfall of the business but also the loss of customers and a decrease in the amount of revenue. The methodology used in this research is a qualitative descriptive method that aims to conduct a thorough investigation of conventional marketing WOM strategies. In this modern era, Bancreps chose a conventional marketing strategy for its business. Marketing carried out by Bancreps can be done more in-depth by using SWOT analysis theory. However, Bancerps to use digital platforms to reach a wider range of customers than just relying on traditional marketing strategies.

This research aims to determine the performance of government procurement of goods and services using the Balanced Scorecard approach. By using the literature or literature study method, a technique for collecting data is by conducting a review study of books, literature, notes and reports that are related to this problem. Based on the research results, it shows that in general, the procurement performance can be considered quite good. Several aspects have been assessed positively. Financial performance shows a high level of budget realization and efficient use of resources. From a customer perspective, the level of customer satisfaction is also quite good, reaching 85%. Meanwhile, from an internal business process perspective, the efficiency of procurement of goods and services reached 95%. From a growth and learning perspective, efforts to improve performance have produced positive results.

This research aims to analyze the usage of the BRIMEN application and its impact on the ease of performance of Credit Administration Officers (ADK) at the Pasuruan Branch Office of PT Bank Rakyat Indonesia (Persero) Tbk. The research method used is qualitative method with a participatory approach and descriptive research type. Data were obtained through observation, interviews, and direct documentation in the field. The results show that the BRIMEN application facilitates ADK officers in various tasks such as scanning customer documents, uploading files to the system, and archiving physical files. Although still in the refinement stage, BRIMEN provides time efficiency and flexibility for officers, who previously performed processes manually. In conclusion, BRIMEN has provided benefits in improving the work efficiency of Credit Administration Officers (ADK) at the Pasuruan Branch Office. Although further refinement is needed, this application has the potential to be continuously developed to enhance productivity and operational efficiency.

Medicinal chemicals (BKO) are chemical compounds that are commonly added to traditional medicinal preparations to increase the drug's indications and offer a powerful and rapid impact in illness treatment. Traditional medicines containing BKO in Indonesia, particularly in East and West Java, are increasing year after year, from 43 to 50-53 traditional remedies containing medicinal compounds. Using the normative method, researchers will be able to use the findings of empirical legal science and other sciences to analyze and explain law without altering the character of normative legal science. The Consumer Protection Law Number 8 of 1999 regulates legal protection for consumers who consume industrially produced traditional medicines containing dangerous chemical chemicals. Article 19 (1) states that business actors are responsible for compensating consumers for damage, pollution, and/or losses caused by the consumption of goods and/or services produced or traded. (2) The compensation described in paragraph (1) may take the form of a refund or replacement of products and/or services of the same kind or equivalent value, or health care, and/or the payment of compensation in line with the provisions of the applicable laws and regulations. (3) Compensation is granted within 7 days after the transaction date. (4) Providing compensation as stated in paragraphs (1) and (2) does not preclude criminal prosecution based on further evidence indicating the presence of an element of error. (5) If the business actor can demonstrate that the error was caused by the customer, the rules intended in paragraphs (1) and (2) do not apply. Suggestions for effective implementation. Suggestions so that they can be implemented well.    

The aim of the community service activity is "Socialization and Education of Sharia Banking Products for UMKM". This socialization aims to educate about sharia banking products so that they can know and understand sharia banking products so that it is hoped that a lot of knowledge and information will be absorbed by respondents, in this case are UMKM actors in Tanah Grogot. During educational outreach related to Sharia Banking, the team distributed questionnaires to respondents or participants in the socialization for UMKM actors to analyze based on the answers of respondents who attended the socialization. From the results of the socialization, the understanding of UMKM actors towards Islamic banks is sufficient. This can be proven by 15 respondents or (83.33%) who answered Yes, Fairly Understand. This shows that of the 18 UMKM actors who attended the socialization, they had sufficient understanding regarding Islamic banks and The Products. This means that the education that has been provided by the community service team has been quite successful in increasing the insight and knowledge of UMKM players and it is hoped that it can increase public awareness, especially UMKM players in Tanah Grogot, to carry out minimum savings transactions at sharia banks. Apart from that, one of the biggest obstacles in Sharia Bank transactions is the lack of available ATM networks, which makes UMKM players still hesitant to become interested in becoming Sharia Bank customers. This was proven by the UMKM players who attended the socialization, 9 respondents or 50% still Hesitance to become a sharia bank customer is due to the fact that the ATM network is not large, which is one of the factors why there are still many who are not interested in becoming sharia bank customers. From the results of the community service activity "Socialization and education of sharia banking products for UMKM in Tanah Grogot" it can be concluded that the presenters were able to educate the UMKMs who attended the socialization very well. This was proven by 11 respondents or 61.11% who responded that the material presented by the lecturers related to sharia banking product education was very good so that UMKM players could gain understanding and knowledge about sharia banking contracts and products which they hoped would be equipped with this knowledge. applied in sharia-based economic life.

This research was conducted to determine the influence of religiosity and public perception on interest in saving at sharia banks with a sample of respondents from the Rukun Warga 06 West Cilandak community. This study uses a quantitative approach. The results of the analysis show that the level of religiosity and public perception have a positive and significant influence on interest in saving. So these two variables are believed to increase interest in saving at sharia banks, therefore to increase the number of customers of a sharia bank it is necessary to increase outreach programs to the public so that their understanding and knowledge increases regarding the products and characteristics of sharia banks which are different from conventional banks.

This research begins with data collection through a combination of interview, observation, and literature study techniques. The problem analysis found was the slow sales service and purchase process at the store. The further impact is customer disappointment and the use of more time and energy resources. The solution offered in this research is the design of a computer-based information system that integrates workflow and optimal utilization of client server-based computer technology. The analysis in this study is presented in the form of a flowchart of the new system to be developed and analysis of the data structure using the Entity Relationship Diagram technique. Then the design results are presented in the form of a representative form design with workflow analysis described in the analysis and deployment diagram that illustrates how the system will be distributed with a client server computer technology approach. In conclusion, it is explained that the new system proposed in this design has been successfully presented logically, systematically, and easily developed into an integrative and systematic software project.

This research was conducted to determine the impact of service quality and competition on customer service satisfaction in PT. Astra Honda engine Unaaha. The population of this study includes 100 service customers at PT. Astra Honda engine Unaaha. The analysis method used is multiple Linier regression analysis. The results of this research revealed that service quality and competition simultaneously influence customer service satisfaction in PT. Astra Honda Motor Unaaha has a positive and significant impact on customer service satisfaction at PT. Astra Honda Motor Unaaha, while partly the service quality has a positive and significant influence on customer satisfaction with the services at PT. Astra Honda Motor Unaaha and competition have a positive and insignificant impact on customer service satisfaction at PT. Astra Honda engine Unaaha.

The development of internet technology has initiated the era of industrial revolution 4.0 in the current digital era, where easy and fast access to information has changed the marketing paradigm. The aim of this research is to find out how effective digital marketing strategies are for tenants to reach new markets, the challenges they face when implementing them, how tenants understand the behavior and preferences of target markets in a digital context, and evaluate how effective digital marketing strategies are. In addition, the role of content and platforms in expanding the market will be discussed. This research method is descriptive qualitative, data collected through structured interviews and direct observation with tenants. The research results show that content that is innovative, informative and relevant to the target audience is very important for the success of a tenant's digital marketing strategy. Additionally, it is very important to understand the behavior and preferences of the target market. Tenant measures the success of their strategy by looking at web traffic, revenue, leads, and customer engagement. Primary focus is given to creating high-quality content and developing effective marketing strategies by understanding customer behavior and using appropriate technology. Digital content marketing strategies have proven effective in increasing tenant brand visibility in new markets. This research provides deeper insight into the digital marketing strategies used by tenants, as well as how these strategies can be adapted to the needs and preferences of the target audience to achieve marketing goals.

This study investigates the effects of e-commerce growth on traditional retail businesses in emerging economies, focusing on market share shifts, consumer behavior, and sales trends. Analyzing data from Southeast Asian and African markets, the research reveals how e-commerce platforms are reshaping customer preferences, posing both challenges and opportunities for traditional retailers. Findings suggest that the rise of e-commerce is leading to a transformation of the retail landscape, with significant implications for future business models and strategies.

The Tridharma of Higher Education contains three important points, namely education, research and community service. Community service on this occasion was carried out with partners from Ar Rahman Junior School. Current technological developments, especially computer technology, are very advanced. In Indonesia, many computer products are marketed with various types, prices and specifications. The computer hardware component manufacturing industry competes with each other to satisfy consumers and customers. Computer assembly and installation are important processes in the development and maintenance of efficient and reliable computer systems. In-depth knowledge of assembly and installation procedures is key to ensuring optimal performance as well as system safety. For this reason, there is a need for computer assembly and installation training for students at Ar Rahman junior School who have the knowledge and skills in assembling and installing their own computers properly and are able to implement it at school.

The objectives of this community service (PKM) are (1) Increasing the entrepreneurial capacity building of UPPKA Kelut Makmur (Klagen-Wilayut Makmur) cadres in Wilayut Village, (2) UPPKA Kelut Makmur cadres have the provision of soft skills and hard skills to carry out businesses with competitive advantages, (3) Ice Cream Products "Food Healty" can be developed for business. The target is 15 UPPKA Kelut Makmur cadres who are members who manage village businesses. The problems faced are: a. Do not have capacity building as a provision for the ability to do business; b. Limited facilities and infrastructure; d. Lack of product creativity; e. Lack of product creativity. Lack of product creativity; e. Competence of managers who are still conventional; f. Do not have an integrated business model. Not having an integrated business model. The solution to the problem is an entrepreneurship training programme, through the concept of creative business through electronic media based on socio-technopreneurship. The ice cream business will be developed to be distributed to toddler and elderly posyandu and general customers. The programmes carried out are: conducting a business development programme workshop. The results of PkM are improving soft skills and hard skills of UPPKA Kelut Makmur members as novice business people.

The digital age is evolving quickly right now. The surge in electronic transactions has also caused customers to migrate to online shopping, specifically e-commerce. Customers are interested in purchasing when engaging marketing content is available, and they are also less likely to hesitate when purchasing from well-known brands. This study looks at factors related to content marketing, brand perception, decisions, and purchases that are influenced by purchase intention. Data was gathered via a Google Form survey from 100 respondents. analysis of data with the SEM smartPLS 3.0 program. The study's findings indicate that while brand image has no effect on decisions to buy, marketing content does affect interest and interest in buying influences decisions to buy. Purchase interest is not a mediator between decisions and the impact of marketing information.