The Covid-19 pandemic, with its peak period in 2019-2021, has, directly and indirectly, affected banking performance in Indonesia. Many studies have been conducted with mixed results. Based on the results of previously published studies, this study seeks to see banking performance due to the Covid-19 pandemic. Using the literature review approach, the study gets 100 scientific articles from the database of international and national journal providers Google Scholar with the Publish or Perish 8 tool. Based on the selection of 100 research data obtained, as many as 55 selected articles. Selected articles are based on the relevance or suitability of the material. A total of 45 articles were not selected for several reasons, such as inappropriate material, no publisher/source found, and irrelevant research results. Findings of this study, the impact of the Covid-19 pandemic in Indonesia was classified into three: reducing performance, enhancing performance, and neutral or diverse.

Innovation and creativity are required if a company's product or service wants to compete in this digital era, especially in selecting marketing strategies. Selecting a marketing strategy is the most important thing determining the success or failure of a company that carries out e-commerce activities. Cashback and split payments are one of the marketing strategies chosen by the company to entice buyers to transact with its merchant members. However, often cashback and split payment schemes, including payment schemes for transactions with merchants through marketplaces, do not meet the ethical values of Islamic business in which transactions must supposedly earn the blessings of Allah SWT.  This study discusses cashback and split payment schemes, namely their concept, theory, and implementation, the distribution scheme’s types, and whether they can fulfill the values of Islamic business ethics. The research method chosen by the author is a qualitative descriptive study, namely a study of literature using journals, e-books, the web, and other reading materials which serve as references herein. The results of the study show that there are cashback and split payment schemes that are prohibited and do not meet the values of Islamic business ethics. However, most consumers are less thorough and aware of the cashback and split payment schemes. Interest in discounted prices and ease of transactions attract consumers to the advantages and benefits of these transactions and schemes. Consumers must be more careful, so they are not trapped in transactions that violate Islamic law's principles. Scholars are required to update information related to business concepts and strategies implemented by e-commerce business actors to understand better the wider community about whether marketing strategies involving transaction or payment schemes are permissible.