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 outbreak of Covid-19 in 2020 has brought downturn to the global economy and many companies went bankrupt during the epidemic. However, according to Unilever's financial report for the first half year, its sales fell only by 1.6% and its financial situation is still stable. The reason for it is not only for Unilever's action of taking Covid-19 as normalization, but also for its differentiation strategies, which make Unilever a competitive enterprise when the consumer products are in demand in Covid-19. Through the literature research method, this article uses the combination of SWOT (strengths, weaknesses, opportunities and threats) and PEST (political, economic, social and technological factors) models to explore the internal and external environments of Unilever in 2020, and concludes that under the multiple impacts of the external environment, Unilever still has great opportunities to make development relying on its own excellent internal conditions.