The use of artificial intelligence (AI) in banking has grown rapidly in recent years, providing opportunities and challenges in dealing with it. AI in the banking world is expected to facilitate use, strengthen customer data security, and optimize risk management. This article aims to analyze the level of customer user experience towards banking services by utilizing artificial intelligence (AI). The analysis technique used in this study is descriptive with a quantitative approach, involving 100 respondents of various ages, various jobs and various educational backgrounds. The main requirement for respondents is that they are customers of various conventional banks in Ponorogo Regency who have used artificial intelligence (AI)-based banking services. Data were collected through questionnaires supplemented with secondary data in the form of documents related to the implementation of artificial intelligence in the banking service system. The application of AI in the banking sector is the detection and prevention of fraudulent transactions in real time, identity verification through biometrics, identity verification through biometrics, chatbots and virtual assistants for customer service, detecting suspicious activity, and the use of smart wallets. The findings in this study explain that artificial intelligence (AI) is able to increase the efficiency of services to customers, provide a better experience, and improve the quality of banking services. Customers are greatly helped by the use of artificial intelligence (AI)

The problem in this study is the lack of communication between superiors and employees. There are still employees who are not disciplined in company regulations, the physical work environment at CV. Asia Mega Mas is inadequate and employee performance appraisal data has decreased from 2021-2023. The purpose of this study is to determine the effect of communication, work discipline and work environment on employee performance at CV. Asia Mega Mas.  The type of research is quantitative. The population in this study is employees of CV. Asia Mega Mas totaling 48 samples while the sampling technique uses the saturated sampling method. The sources in this study come from primary data and secondary data. The data collection method uses observation, interviews, questionnaires and documentation. The data analysis technique used is multiple linear regression. Data processing is assisted by the SPSS version 25 tool.  The results of the (t) test or partial test show that the communication variable (0.001) is greater than the alpha 5% (0.05) or t count = 3.561> t table 2.015. The work discipline variable (0.000) is greater than the alpha 5% (0.05) or t count = 4.168> t table 2.015. And the environmental variable (0.009) is greater than the alpha 5% (0.05) or t count = (-2.728)> t table 2.015. Then simultaneously the (F) test significant value F is smaller than 5% or 0.05 or the f count value = 36.243> F table 2.82. The results of the determination coefficient (R2) The adjusted R Square value is 0.692 (69.2%). So it can be said that 69.2% of the variation in communication, work discipline and environment variables in the model can explain employee performance variables, while the remaining 31.8% is influenced by other variables outside the model.

This research aims to find out what factors can influence the level of demand other than price in the North Sangatta main market. This type of research is field research, with a qualitative descriptive approach. The data collection techniques used in this research are interviews, observation and documentation. The data analysis used in this research is qualitative descriptive, through several stages, the first stage is data reduction, the second stage is data presentation, and the final stage is drawing conclusions. The results of this research show that there are several factors that influence the level of demand from the consumer's point of view and the producer's point of view in the main market of North Sumatra. From the consumer's point of view, factors that influence the level of demand include the size and shape of goods or services, promotions and discounts, and income. monthly, from the producer's point of view, including consumer behavior (consumer tastes), quality of goods, certain seasons or weather, and prices of other goods.

Physical work environment and work discipline are important to improve performance. managing the physical work environment is to create optimal conditions for employees to work comfortably, efficiently and productively, while the application of work discipline in the organization is to create a structured and productive work environment by ensuring that all employees comply with the policies, procedures and standards set by has been set. This research examines the influence of the physical work environment, work discipline, and employee performance at Solo Swalayan. The physical work environment includes factors such as work space comfort, lighting, ventilation, and ergonomics, while work discipline includes compliance with policies, rules, and procedures established by the company. Using quantitative methods, Multiple Linear Regression statistical data with Solo Swalayan employees as research objects. This research evaluates how these two variables affect overall employee performance. Based on the research results, it shows that the physical work environment and work discipline partially have a significant effect on employee performance. As well as the research results, physical work environment variables and work discipline simultaneously have a significant effect on the performance of Solo Swalayan employees.

This study discusses how corporate governance (Good Corporate Governance/GCG) plays a role in reducing and controlling financial risk in an organization. Financial risk is an inseparable aspect of business activities, especially when companies face unstable and challenging market conditions. Therefore, a governance system is needed that can help companies recognize potential risks early on, as well as set appropriate handling strategies to minimize their impact on business continuity. The method used in this study is a literature study, namely by collecting secondary data from scientific journals and trusted articles that are relevant to the topic. The discussion includes theoretical foundations related to GCG principles, corporate governance structures, and financial risk mitigation steps. In addition, the role of the government in providing regulatory support is also discussed as part of the external factors that affect the effectiveness of corporate governance. From the results of the analysis, it is known that the application of GCG principles such as transparency, accountability, and responsibility has a major influence on the company's resilience in facing financial risks. A clear organizational structure and strong supervision allow companies to manage risks systematically. In other words, GCG makes a real contribution to strengthening a sustainable and adaptive risk management system to changes in the business environment.

This literature study examines the influence of Product Variants on Purchasing Decisions on Food products. Product Variants are one of several important aspects that manufacturers need to consider when making a product, because product variants play a role in providing a choice for consumers, product variants mean that each product produced by the company has various styles or categories. Product diversity is assessed based on two factors: product line diversity and differences in packaging size. Product line diversity indicates differences in characteristics such as brands, flavors, or ingredients. Packaging size diversity refers to differences in the amount found in a package. Having various styles or categories. Product diversity is assessed based on two factors: product line diversity and differences in packaging size. Product line diversity indicates differences in characteristics such as brands, flavors, or ingredients. Packaging size diversity refers to differences in the amount found in a package. This literature study aims to analyze and synthesize previous research findings regarding the role of product variants on purchasing decisions and identify other factors that influence product variants on food purchasing decision making. This study was conducted using a literature review method that analyzed various related sources. The results obtained from this study indicate that product variants have a positive and significant influence on food purchasing decision making.

In the era of globalisation and rapid technological advancement, education faces increasingly complex challenges, especially in terms of innovative learning development. This study aims to provide human resource management strategies in creating an innovative learning environment amidst the rapid development of education. The method used in this study is a literature study and qualitative analysis of various relevant sources, including journals and scientific articles. The findings show that there are three strategies: developing continuous professionals, integrating technology in the learning process, encouraging collaboration and creativity. This research is expected to provide insights for educational institutions in designing more effective development programme.

The purpose of this study is to analyze the effects of store atmosphere and customer lifestyle on purchasing behavior, focusing specifically on Parewa customers. Employing a quantitative survey methodology, the research integrates an explanatory approach with a correlational design to explore the relationships between these variables. The study follows a cross-sectional framework, with data collected at a single point in time. The individual purchaser serves as the unit of analysis, and the research is carried out within a natural, real-world environment. The findings demonstrate a statistically significant and positive correlation between store atmosphere and customers' purchasing decisions. This implies that an inviting and comfortable store environment increases the likelihood of customer purchases at Parewa. Additionally, the results show a significant positive correlation between lifestyle and purchasing behavior, suggesting that customers with enhanced lifestyles are more inclined to purchase Parewa products. These insights underline the importance of aligning store ambiance and customer lifestyle preferences to drive sales effectively.
 

The number of businesses in the culinary sector has been steadily increasing, especially after the COVID pandemic. Therefore, promotional strategies are crucial, particularly for building brand awareness in the business world. "Erista Griyo Dhahar," a restaurant located in Pakem, Yogyakarta, implements promotional strategies to build brand awareness. This study aims to analyze the promotional strategies used by "Erista Griyo Dhahar" to enhance brand awareness. The research employs a qualitative method with data collection techniques including interviews, observations, and documentation. The theoretical framework used is the Promotional Mix which includes advertising, personal selling, sales promotion, Public Relations, and direct marketing for building brand awareness for "Erista Griyo Dhahar." The results of the study indicate that "Erista Griyo Dhahar" combines all five aspects of the promotional mix as part of its strategy to build brand awareness. However, advertising and personal selling are found to be the most effective, as evidenced by the restaurant's increasing sales each year. The brand awareness of "Erista Griyo Dhahar" is at the level of brand brand recognition. Recommendations for "Erista Griyo Dhahar" include increasing engagement on social media, maintaining personal selling activities, creating more engaging promotions, conducting Public Relations activities in a routine and structured manner, and developing appealing and persuasive copywriting.

This study aims to identify risk management processes and analyze management strategies that can be implemented by Pineapple Chips MSMEs in Kualu Nenas Village. The approach refers to the ISO 31000 framework, which includes risk identification, analysis, evaluation, and management. The results show that the most significant risks are in the high category, especially financial and operational risks, such as fluctuations in raw material prices, product damage due to improper storage, and limited human resources in marketing and production management. To minimize the impact of risks, a thorough analysis and appropriate mitigation strategies are required. The implementation of systematic risk management is considered capable of reducing potential losses, increasing business resilience, and strengthening the position of MSMEs in facing market dynamics. This approach is also crucial in maintaining business continuity, increasing consumer trust, and maintaining business reputation.