Many banks institution have implemented mobile banking as a successful e-commerce application to give the combined benefits of increased customer service and cost reduction. Service quality is a comprehensive customer evaluation of a particular service and meets customer expectations and provides satisfaction. Objective: to assess whether service quality has a strong association to customers loyalty of BNI mobile banking users of FKG USAKTI professional students. Method: The data analyzed comes from BNI M-banking consumers,  FKG professional students, who have been using BNI m-banking for a long time. The number of samples is about 150 people. Descriptive data analysis presented each item of the research questionnaire. Result: user friendliness and efficiency are determined to have a positive and considerable impact on customer satisfaction, whereas customer satisfaction has a significant and positive impact on customer loyalty.

Restorative material is exposed to oral fluid and may have its color stability affected. Oral fluids may be influenced by beverages, such as red dragon fruit juice, which has low pH. The aim of this study is to investigate the effects of red dragon fruit juice on color stability of self-adhesive flowable composite (SAFC). In this study, 50 samples of SAFC discs (diameter = 6mm, height = 3mm) were divided into 5 groups (n=10); sample 1 was control immersed in distilled water for 24 hours, sample 2 was immersed for 8 hours in red dragon fruit juice and 16 hours in distilled water (37°C) for total 6 days (sample 2A) and for total 12 days (sample 2B), sample 3 was immersed in distilled water for 24 hours in distilled water (37°C) for total 6 days (sample 3A) and for total 12 days (sample 3B). Color stability was tested using VITA Easy-shade V. The value of color deviation (ÄE), value of lightness (ÄL), value of chrome (ÄC), and value of hue (Äh). Samples were then categorized to group A by substracting the scores between sample 1 and 2A; group B between sample 1 and 2B; group C between sample 1 and 3A; and group D between sample 1 and 3B. One way ANOVA test showed there was significant differences (p<0.05) of ÄE, ÄL, ÄC value, while Äh values showed no significant differences (p>0.05). The difference between group 1 and group 3B has the largest overall color changes with ÄE 1.01 ± 0.099. Discoloration of self-adhesive flowable composite can be influenced by water sorption, polymerization, composition, immersion time and the type of soaking solution which is red dragon fruit juice and distilled water. This study concluded that red dragon fruit juice as also distilled water affects color stability of SAFC.