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Digital Population Identity (IKD) is a digital-based location data innovation through a mobile application with a photo or QR Code. The government's objective is to reduce the physical prints of KTP as well as the use of blank KTP-el in the hope of administrative efficiency. ICT is integrated with health services, education, banking, and taxation, facilitating public access in the era of technological development. However, in remote areas, limited internet access and minimal socialization raise concerns about the security of digital identity data being considered. Social media, especially YouTube, is a channel platform used by the public to convey opinions, opinions and comments about ICTs. So that's why sentimental analysis is needed using the Naive Bayes algorithm to help understand public opinion. The tests were conducted using Orange on 1,561 data showing accuracy, precision, recall, and F1 above 90%. The results of this analysis can serve as a guide for staff in interacting with the community for the implementation of Digital KTP through IKD, as well as improving services regarding the applications provided.

The mobile technology advancement has been growth rapidly. Every persons use mobile phone to support their daily activities. This condition make banks have to change their traditional methods of customer service to adoption of information technology.Customers today require more personalized services at any time and any place. Mobilebanking is one of advanced information technologies that can employ to achieve a high level of customer services and emerging technology that permits conduct of banking transaction through mobile phone. For bank’s customers, this application will support their banking transaction if they think it has a usefulness and easy to use. The important one is customer trust to mobile banking application. This research purposes to test the effect of perceived usefulness, perceived ease of use and trust to use of mobile banking. A survey was conducted at BSI KCP Medan Kampung Baru Collected data analized with multiple regression analysis. The results of this research show that perceived usefulness, perceived ease of use and trust tend to have effect on use of mobile banking And There are still many customers who make transactions directly to the teller even though there is mobile banking.

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

This research explores the optimization of network utilization to enhance the efficiency of Shariah Mobile Banking services for customers. The study delves into the theoretical framework of Shariah Mobile Banking, elucidating its customer benefits, technology, and the role of networks. Employing a qualitative research approach, the study aims to examine the efficiency of Shariah Mobile Banking services. The findings underscore the paramount importance of efficiency in Shariah Mobile Banking and highlight the pivotal role of network concepts in augmenting this efficiency. The discussion also identifies hurdles encountered in optimizing Shariah Mobile Banking services and proposes viable solutions to overcome these challenges. This research contributes valuable insights for financial institutions and providers of Shariah Mobile Banking services to improve their service efficiency through network optimization. Additionally, it broadens the understanding of the customer benefits derived from Shariah Mobile Banking. The outcomes are anticipated to inform strategies and actions aimed at enhancing the overall user experience of Shariah Mobile Banking for customers.  

The development of information technology is currently changing the minds of customers or consumers in carrying out various transaction activities in the banking world, where customers prioritize aspects of convenience, flexibility, efficiency and simplicity. Mobile banking technology is a type of service provided by banks to their customers so that they can carry out their banking activities at any time without having to come to the bank. The purpose of this study was to determine the effect of benefits and convenience on the interest in using BSI Mobile in the community in Sungai Tering Village, Nipah Panjang District. This type of research uses quantitative methods. The population in this study consisted of 100 respondents. This research uses a random sampling technique, namely taking the population based on the area of the object of this research. The data analysis technique used to answer all the problem formulations uses multiple linear regression analysis using the SPSS version 23 program. The results of the t test show that the benefits variable has a tcount value of 1.870 > ttable 1.660 Then H1 is accepted, the convenience variable has a tcount value of 5.676 > ttable 1.660 then H2 is accepted, and the R2 test is 0.678, this means that the interest variable can be explained by the perception variable convenience, benefits and safety. The t test results of the variable that is very influential in using mobile banking, namely the convenience variable, has a t value of 5.676.

This research aims to analyze how E-Trust and E-Service Quality influence E-Loyalty in mobile banking services, as well as the role of customer satisfaction as a variable that mediates the relationship between E-Trust, E-Service Quality, and E-Loyalty. This research was conducted as a case study on FEBI UINSU students in 2019 who used mobile banking services. The research method used was a survey by distributing questionnaires to FEBI UINSU students who had used mobile banking services. The questionnaire contains questions about their perceptions of E-Trust, E-Service Quality, customer satisfaction, and their level of E-Loyalty towards mobile banking services. The collected data is analyzed using relevant statistical techniques, such as regression analysis, path analysis, or other appropriate methods to test the relationship between the variables in this research.

The objective of this article is to examine the elements that impact the inclination of customers of Indonesian Islamic banks, specifically those in KC Medan Ahmad Yani, to utilize mobile banking. Technology has significantly influenced people's lives, and the banking industry has utilized the internet to enhance their services. This has resulted in the emergence of mobile banking, which refers to banking services accessed through mobile phones or, in other words, phone banking. Mobile banking, along with services like ATMs and credit cards, has become essential for Indonesian banks to expand their target market. Currently, mobile banking serves as a primary focal point and an effective operational strategy for banks to enhance their services.The purpose of this analysis is to identify the factors that influence customers' interest in using mobile banking and the strategies employed to increase customer engagement. Additionally, the study aims to ascertain whether mobile banking can be employed as a marketing strategy to drive customer growth at Bank Syariah Indonesia KC Medan Ahmad Yani. Data collection for this research is conducted through a questionnaire, which includes inquiries intended to gather relevant information.

This study aims to determine the Analysis of the Effect of Customer Trust on the Decision to Use Mobile Banking Through Perceived Risk as an Intervening Variable (Case Study on Mobile Banking Application Users at UIN North Sumatra Students). This study uses a quantitative approach. In this study, a questionnaire was used to collect data, and 100 students at UIN Sumatra Utara were selected as a sample using a purposive sampling method. Data analysis in this research is quantitative data analysis. Statistical tests known as the T-test, F-test, and the coefficient of determination R2 are all components of this analysis, as are the path analysis tests. Based on the research analysis, it can be concluded that customer trust has a positive and significant effect on perceived risk, customer trust has a positive and significant effect on the decision to use, perceived risk has a positive and significant effect on the decision to use, customer trust has a positive and significant effect on the decision to use through perceived risk as intervening variable. This means that a high perceived risk in accordance with customer trust will lead to a high decision to use the mobile banking application. This result is important for Islamic banking to minimize the risks that will be felt. Through breakthroughs to improve the security of the mobile banking system, thereby maintaining customer trust which will have an impact on the decision to use mobile banking services.

This study aims to determine the effect of mobile banking and services on BRI Bank customer satisfaction. The sampling technique used in this study was purposive sampling technique, which was chosen because the researcher used his own judgment in selecting members of the population who were considered to be able to provide information, and the number of samples used was 150 respondents. The research results were collected through a questionnaire which was processed and analyzed using multiple regression analysis. The data quality test in this study is the Person Correlation validity test, the reliability test uses Cronbach Alpha. For the classic assumption test using the normality test,. For the hypothesis test used in this study, namely multiple linear regression, t test and determination coefficient (R2 test). The results of this study indicate that mobile banking and service have a positive and significant effect on BRI Bank customer satisfaction.

the formulation of the problems in this study are (1) How is the Effect of Member Trust on Member Satisfaction at KSPPS BMT Mitra Umat? (2) How is the Effect of Service Quality on Member Satisfaction at KSPPS BMT Mitra Umat? (3) How is the Effect of Product Quality on Member Satisfaction at KSPPS BMT Mitra Umat? (4) How is the Effect of Mobile Banking Use on Member Satisfaction at KSPPS BMT Mitra Umat? (5) How is the Effect of Member Trust, Service Quality, Product Quality, and Use of Mobile Banking on Member Satisfaction at KSPPS BMT Mitra Umat Pekalongan?. This research is quantitative. The object of this research is members of KSPPS BMT Mitra Umat in Pekalongan. This research uses purposive sampling technique, the data collection technique is a questionnaire, and the sample of this research is 100 respondents. After conducting the research, the researcher obtained data calculated using the Slovin formula. SPSS was used to analyze the data. The data analysis technique used is multiple linear regression equation analysis, T test, F test, and coefficient of determination analysis. The results of this study are Member Trust, Service Quality, Product Quality, and Use of Mobile Banking partially and simultaneously affect Member Satisfaction KSPPS BMT Mitra Umat.

This study aims to find about: (1) fintech service in the mobile banking-based non-cash payment system (Muamalat-DIN) at Bank Muamalat KCP Lamongan: (2) implementation of fintech in the mobile banking-based non-cash payment system (Muamalat-DIN) at Bank Muamalat KCP Lamongan. This study uses a descriptive qualitative research method. The results of this study are: (1) fintech services in the non-cash payment system in Muamalat-DIN are transfers, QRIS, credit top-ups, internet credit top-ups, electronic money top-ups, google play voucher codes, spotify premium, postpaid credit payments, PLN electricity, Telkom, cable TV, PDAM, IPB campus education payments, airplane tickets, ZISWAF, family takaful, BPJS employment, BPJS health, SAMSAT/SIGNAL, BPJPH, virtual accounts, multi payments, and hijrah pensions (DPLK); (2) the implementation of fintech at Bank Muamalat varies, there are Muamalat-DIN, phone banking, internet banking, MADINA, online share-e debit, and ATMs. The most popular Fintech at Bank Muamalat KCP Lamongan is Muamalat-DIN. In Muamalat-DIN, customers of Bank Muamalat KCP Lamongan often use services in the form of transfer, QRIS, credit top-ups and internet credit top-ups, electronic money top-ups, payment services such as PLN electricity, Telkom, PDAM, ZISWAF, BPJS for employment, BPJS for health, virtual accounts, and hijrah pension (DPLK). This fintech implementation has benefits for banks and customers, the benefit for Bank Muamalat KCP Lamongan is that it will have a wider reach, operational and marketing costs are more economical. And the benefits felt by customers are that transactions are easier, faster, accessible 24 hours because access is via a smartphone, and customers don't need to carry a lot of cash everywhere.

At this time information and communication technology has developed rapidly. Therefore, BSI issued BSI Mobile, where the presence of BSI Mobile is expected to provide fast, safe and effective service to customers. Based on the explanation above, this study aims to determine how high the level of customer satisfaction is with the quality of BSI Mobile service users for customers who use BSI Mobile. This research was conducted based on a quantitative approach with causal research methods (Causal Study), where researchers will test hypotheses and look for the effect of independent variables on the dependent variable. Data collection was carried out by distributing questionnaires to 43 customer respondents using BSI Mobile. From the results of hypothesis testing it is known that service quality influences customer satisfaction in using BSI Mobile.

This study aims to analyze the marketing strategy for BSI OTO products at KCP Medan Marelan, the type of research method used is a qualitative method, and data collection is carried out by observation and interviews, the data taken is in the form of observations and also from interviews. interview with BSI KCP Medan Marelan officers. Based on the results of the research it was found that the obstacles in marketing BSI OTO at KCP Medan Marelan included inactivity on social media, tight competition from other banks and also the lack of public understanding in the financing application process. and efforts to Overcoming the existing obstacles, BSI KCP Medan Marelan innovates products that will be adjusted to the needs and desires of customers and also adds application facilities in the form of mobile banking and also the BSI website which can make it easier for customers to carry out various transactions and also understand the products available at BSI. and for the marketing strategy of BSI OTO bank BSI KCP Medan Marelan implementing promotions and excellent service, promotions are carried out such as: distributing and distributing brochures, conducting outreach and also conducting promotions indirectly through social media and also excellent service by CS for customers.

The main task of Bank Jatim is to participate in encouraging the growth of regional economic potential through its participation in developing small and medium credit business sectors in order to obtain optimal profits. Its main activities are collecting and distributing funds and providing other banking services. Until 2019 Bank Jatim has a total of 1,706 operational services, both conventional and sharia services. Bank Jatim currently has e-banking services such as ATM, SMS banking, Internet Banking, Mobile Banking and most recently the jatimcode feature to make it easy for customers to transact wherever and whenever they are. Apart from collaborating with the ATM Bersama network and the Prima network, Bank Jatim has also joined the National Payment Gateway (GPN), which means that bankjatim ATM cards can be used at all ATMs and merchants in Indonesia bearing the ATM Bersama, Prima and GPN logos without any fees.