PT. Bank Maybank Indonesia Tbk has well-classified employees, aiming to achieve the company's success. Therefore, employees' performance should be driven by work motivation and a conducive work environment to attain optimal employee performance. This study focuses on the effect of motivation and working environment on employee performance on PT. Bank Maybank Indonesia Tbk. The first research objective is to analyze the effect of motivation variables on employee performance, the second is to analyze working environment variables on employee performance and the last is to analyze the effect of motivation and working environment on employee performance of PT. Bank Maybank Indonesia Tbk. This research uses a quantitative approach, which comes from the philosophy of positivism. This method is used for the purpose of researching certain populations and samples. The data analysis methods used are data quality instrument testing, classical assumption testing, multiple linear regression testing, and hypothesis testing. The research results partially show that there is a positive and significant influence of motivation variables on employee performance and partially also show that there is a positive and significant influence of work environment variables on employee performance. Simultaneous or joint research results show that there is a positive and significant influence of work motivation and work environment variables on employee performance.

The growing number of credit card users in Indonesia is considered to have a fairly high poltelnsial market. This study uses associative research quantitative approach which is analyzed using multiple linear regression analysis with SPSS version 26.0 software. The population in this research is Bank BNI customers. The sample was determined based on the random sampling technique method. The data collection technique used a questionnaire distribution of 106 people from the number of Bank BNI East Jakarta customers. Hypothesis testing using the T-test and F-test. The research conclusion concluded that the promotion and quality of credit card services had a significant positive effect on customer loyalty of PT Bank Negara Indonesia Matraman Branch Office, East Jakarta.