Digital transformation is more than just providing online and mobile banking services. The banking and finance industry needs to innovate by combining digital technology with customer interactions. In this case, these new technology findings should make it easier and more convenient for users to access banking services. However, to understand the relationship between resources (capabilities) and performance, the empirical research is still very limited and rare to explain why some firms successfully use their capabilities while others do not. The aim of the research is to answer whether digital technology, digital leadership, and digital marketing have a significant influence on company performance. The research is a quantitative study using a survey method by distributing questionnaires to employees and leaders in banks. It obtains 100 respondents. The analytical method is the Structural Equation Model (SEM) approach using the Smart Partial Least Square (PLS) statistical software. There are several obtained results. First, digital technology capabilities have a positive and insignificant effect on company performance. Second, digital leadership capability significantly, positively affects digital technology capability and digital marketing capability. Third, digital marketing capability has a positive and significant effect on company performance. Finally, digital leadership capability only has a positive and significant effect on company performance after being mediated by digital marketing capabilities. However, the effect is not significant if it is mediated by digital technology capabilities.

This research aimed to measure the efficiency performance of the banking industry in Indonesia by using parametric and nonparametric methods, as measured by the stabilization of bank performance efficiency based on the time series from year to year and to identify which variables to the value of efficiency. The analytical method applied the parametric method with cross section approach of Stochastic Frontier Analysis (SFA) while for nonparametric method used intermediation approach from Data Development Analysis (DEA) CRS and VRS model. The data of this research was the financial statements of banks listed on the stock exchange for the period 2012-2016 with 29 databanks processed with the help of Stata 12. From the results of the analysis using the three measures of efficiency, it is known that the efficiency value with Cross Section Stochastic Frontier Analysis shows a stable and high efficient conditions for all banks. While nonparametric methods show different efficiency levels for each bank, which with DEA CRS model not all banks show an efficient performance, only 26,90% on average each year banks have efficient performance, and 99,31% of banks perform efficiently according to VRS model.

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The aim of this study is to see the impact of the performance competence of Islamic microfinance institutions as well as the development of micro and medium small enterprises in Sumenep, Madura region. This research used nonexperimental method with survey technique with Guttman scale to LKMS and UMKM in Sumenep regency. While the sampling technique was by purposive sampling to the population and obtaining 46 samples. Based on the results of the validity and reliability test, it is known that the test equipment used is quite valid and reliable, so it can be used in this study. Data analysis used descriptive analysis and correlation analysis to see the relationship between variables with each other. The results of the data obtained for the competence of achievement of capital management indicators is the management of the most important and prominent indicators with an average value of 82.07%, while the most prominent indicator relationship counseling competence is general management with an average value of 85.15%. While in terms of correlation, MSME development in Sumenep Regency is very influenced by competence of achievement of result of capital management indicator, with correlation value with significance 0.04 and competence of relationship building from effectiveness of service to society.

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