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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

This research aims to determine the quality of Bank Syariah Indonesia (BSI Mobile) mobile banking services in providing customer satisfaction at Bank Syariah Indonesia KCP Diponegoro 2 Surabaya. The research method uses a quantitative approach. The population in this research is all BSI KCP Diponegoro 2 Surabaya customers. Meanwhile, the sample in this research is some BSI KCP Diponegoro 2 Surabaya customers who use the BSI Mobile application. Considering the large population so that the exact number cannot be known and the limited time in conducting research, this research uses the Lemeshow formula with a maximum estimate of 7% and an error rate of 5% as a guideline in finding the number of samples used. So through this technique a sample of 100 respondents was obtained. Data was collected through distributing questionnaires using incidental sampling technique. The data analysis process uses simple linear regression, hypothesis testing, and coefficient of determination. The research results show that the quality of BSI Mobile services has an influence on customer satisfaction. The influence between the independent variable and the dependent variable is 79.2%, while 20.8% is influenced by other factors not included in this research. This research can help increase customer satisfaction in using the BSI Mobile application. 

With the increasingly rapid development of information technology, people need to do things quickly, effectively and efficiently, especially when carrying out transaction activities. Banking companies are improving services with the introduction of mobile banking. Mobile banking is an innovation from development, science, information technology and communications used by banking companies to facilitate customer transactions and meet needs, which can be accessed by installing an application on the phone. BCA Bank is a private bank that offers digital banking services, one of which is a mobile banking product known as BCA mobile, launched in 2011. By providing banking services via smartphone. BCA bank hopes that customers can enjoy the convenience and speed of BCA Mobile. The aim of this research is to determine the influence of convenience, trust and security on decisions to use mobile banking in Jakarta. The method used in this research is non-probability sampling, namely purposive sampling. The data collection technique was through distributing questionnaires to 100 respondents and processed using SPSS version 25. The analysis method used was multiple linear regression. The results of the hypothesis test show that the variables of ease, trust and security have a significant effect on usage decisions.

With the increasingly rapid development of information technology, people need to do things quickly, effectively and efficiently, especially when carrying out transaction activities. Banking companies are improving services with the introduction of mobile banking. Mobile banking is an innovation from development, science, information technology and communications used by banking companies to facilitate customer transactions and meet needs, which can be accessed by installing an application on the phone. BCA Bank is a private bank that offers digital banking services, one of which is a mobile banking product known as BCA mobile, launched in 2011. By providing banking services via smartphone. BCA bank hopes that customers can enjoy the convenience and speed of BCA Mobile. The aim of this research is to determine the influence of convenience, trust and security on decisions to use mobile banking in Jakarta. The method used in this research is non-probability sampling, namely purposive sampling. The data collection technique was through distributing questionnaires to 100 respondents and processed using SPSS version 25. The analysis method used was multiple linear regression. The results of the hypothesis test show that the variables of ease, trust and security have a significant effect on usage decisions.

This study aims to assess the positive impact of financial technology (mobile banking, internet banking, and SMS banking) on ROA, ROE, and NIM at Bank BPD Denpasar. The research employs quantitative methods, utilizing secondary data from the annual financial reports of Bank BPD Bali, Denpasar, for 2021-2024, along with national and international journals and official websites. From a population of 36, purposive sampling was used to select 12 samples. The findings indicate that there are significant differences in ROA, ROE, and NIM before and after the adoption of Fintech, with significance levels of 0.025, 0.000, and 0.038 respectively, all of which are below the 0.05 threshold. These results demonstrate that the integration of financial technology has led to a notable increase in ROA, ROE, and NIM, indicating an overall improvement in the bank's financial performance. The study concludes that the adoption of Fintech positively influences the financial metrics of Bank BPD Denpasar, suggesting that such technology can enhance banking performance.

This study aims to determine and analyze the effect of service quality, trust and convenience of Muamalat DIN mobile banking on customer satisfaction at Bank Muamalat Indonesia KCU Medan Baru. The type of research used is quantitative research. The number of samples in this study was 96 customers with the determination of the sample size using the Lemeshow formula. Data analysis used is multiple linear regression analysis using SPSS. The results of this study indicate that simultaneously and partially service quality, trust and convenience have a positive and significant effect on customer satisfaction. And based on the coefficient of determination, the independent variable is able to influence the dependent variable by 52.9%.

This study examines the multifaceted impact of financial inclusion on industrial societies, focusing on its role in economic growth, social equity, digital transformation, and industrial development. Using a mixed-method approach combining systematic literature review and case studies from five industrial countries (Germany, South Korea, the United States, China, and Brazil), we analyze the mechanisms through which financial inclusion influences societal outcomes. Our findings reveal that financial inclusion significantly contributes to economic growth, with a 10% increase in inclusion indicators associated with a 0.2-0.7% rise in GDP growth rates. Moreover, we identify synergistic effects between financial inclusion and digital transformation, notably in mobile banking adoption. The study also highlights persistent challenges, including urban-rural divides and gender disparities in financial access. Cross-cutting themes emerge, emphasizing the importance of integrated policy approaches, regulatory innovation, and public-private partnerships in advancing financial inclusion. These insights offer valuable guidance for policymakers and financial institutions in designing effective strategies to leverage financial inclusion for sustainable and equitable economic development in industrial contexts.

This study aims to determine the influence of personal selling, customer response, and customer interest on customer decisions in activating the BRImo application.  Research is a type of quantitative research. A sample of 100 respondents using GForm from a total population of 3100. by accidental random sampling. The method uses multiple linear regression with statistical tests and classical assumptions. Classic assumptions are not a problem. The results showed that customer responses and customer interest were significantly positive in influencing customer decisions in activating the BRImo application, while personal selling had a positive effect was not significant. The F test shows that the simultaneous influence of personal selling, customer response and customer interest in customer decisions is significant, which is 70.298 with a significant value of 0.00< 0.05. The coefficient of determination is 0.687. This shows that the customer's decision can be explained by 68.7% by personal selling, customer response, and customer interest. The remaining 0.313 or 3.13% is explained by other variables outside the model, such as customer knowledge and education. The most dominant variable in influencing customer decisions is the customer response, which is shown to be a regression coefficient of 0.354 with a t-count of 4.153.

This research aims to determine the influence of features, product variations and ease of transactions on mobile banking user satisfaction at sharia banking financial institutions in Jambi City. This research used a quantitative approach which was carried out by distributing questionnaires to 112 Mobile Banking users in Jambi City. The methods used in this research are instrument tests (validity and reliability tests), classical assumption tests (normality, multicollinearity and heteroscedasticity tests) and multiple liner analysis along with statistical tests (t test, F test and R2 Determination Coefficient). The results of this research show that features have a positive and significant effect on user satisfaction which can be determined using the t test with a significance value of 0.001 < 0.05 and a value of tcount > ttable, namely 3.426 > 0.198217. Product variations have a positive and significant effect on user satisfaction as evidenced by the significance value of 0.001 < 0.05 and the tcount > ttable value, namely 3.577 > 0.198217. ease of transactions has a positive and significant effect on user satisfaction which can be seen with a significance value of 0.001 < 0.05 and a value of tcount > ttable, namely 3.385 > 0.198217. Simultaneously, features, product variations and ease of transactions have a positive and significant effect on mobile banking user satisfaction at sharia banking financial institutions which can be seen from the F test, namely fcount > ftable or 40.058 > 2.69 and the resulting significance value is 0.000 < 0.005. The determinant coefficient value is 0.514 or 51.4% and the remaining 0.486 or 48.6% can be explained by other variables outside this research.    

In an era driven by rapid technological development, human information needs are increasingly complex, so companies must be able to provide technological information facilities to compete in business in the global market. Mobile banking is a manifestation of the progress and development of information technology in the banking sector (Dwi Mutiara Sari, 2021 ) Based on the problem formulation explained in the introduction, a community service activity was prepared with the topic "Socialization and Assistance in Opening Bank Muamalat Online Accounts (MDIN)". Students are taught about Bank Muamalat products, including opening an account via the Muamalat DIN mobile banking application. The Muamalat DIN application is a mobile banking application from Bank Muamalat that makes it easy for customers to access services anytime and anywhere. Muamalat DIN is the latest sharia mobile version from Bank Muamalat Indonesia which offers various conveniences and facilities for customers (Shafaliza Risfany, 2022). Based on the results of the dedication and discussion, we can conclude that opening an online account makes it easier for customers to open an account without having to go to a Bank Muamalat branch office and also makes it easier for customers to use Bank Muamalat services or products. The Muamalat DIN application is a mobile banking application from Bank Muamalat that makes it easy for customers to access services anytime and anywhere.

In the digital era, mobile operating systems (OS) play a pivotal role beyond mere application execution platforms. They are essential for optimizing energy efficiency and enhancing security, particularly in the realm of mobile banking. This paper explores the critical role of mobile OS in supporting sustainable economic growth through efficient energy use and robust security measures in mobile banking transactions. The focus is on how these OS advancements contribute to a secure and environmentally responsible digital economy. Key aspects covered include energy optimization strategies, security enhancements such as data encryption and multi-factor authentication, and the integration of these technologies into mobile banking applications. By addressing these challenges, mobile OS not only ensures sustainable economic development but also fosters financial inclusivity and security in an increasingly digital world.    

Exploring the concept of the Windows serverless operating system as a solution in the development and deployment of modern applications. Through a quantitative approach, this study evaluates how serverless technology can improve efficiency, reduce costs, and speed up the application development process. Using case studies and data analysis, this study provides practical guidance for developers and organizations in adopting serverless architectures in Windows environments.    

Mobile banking is a service provided by banks that allows customers to conduct various types of service transactions anytime and anywhere through smartphone devices. This service is not only utilized by customers at large, but UIN students have also utilized the service in making single tuition payments. However, there are still many students who have not utilized the convenience of this service. The purpose of this study was to determine the effect of the effectiveness and instruments of using mobile banking on customer satisfaction. This research uses a quantitative approach.

This research aims to test whether system quality and service quality influence user satisfaction and have a net beneficial impact on mobile banking application users. The type of research in this research is quantitative. The results of this research show that there is a significant influence on system quality on user satisfaction, there is a significant influence on service quality on user satisfaction, there is a significant influence on system quality on net benefits, there is no significant influence on service quality on net benefits, there is no significant influence on user satisfaction on net benefits, user satisfaction is unable to mediate system quality on net benefits is not significant, and user satisfaction is not able to mediate service quality on net benefits is not significant.