In the world of education, the development of technology systems is increasingly rapid. The implementation of Blockchain continues to be used in various sectors. This study analyzed the use of Blockchain in higher education. The research discussion results lead to the use of blockchain technology, which is a new trend in higher education. Blockchain implementation in higher education creates problems in the use of blockchain technology. Based on the use of Blockchain in research, we are exploring the application of related technologies in higher education. The problem with technology that functions to record small transactions and data used for many sectors such as recording transactions, documentation, and even voting, which is also used in Higher Education, is unfortunately not well implemented. This supports research on the use of blockchain technology that can record transactions in many sectors. Documenting the process of transactions, documentation, and voting can even be used in Higher Education. To improve the blockchain technology system's performance in higher education, it is becoming more effective, efficient, and more accessible in recording transaction processes. It can become a new innovation for Higher Education.

As a business players, entrepreneurs certainly need bank products and supports that provide fast and easy services with wide-spread network in Indonesia. In this study, Structural Equation Model (SEM) identify the transaction that influence the average balance. The objects of the RFM segmentation on the selected transaction is to understand customer segment score and build a marketing strategy for each segment with different levels of loyalty for the Financial result of higher Average Balance.  The segmentation results found three driver categories, High Recency, Mid Recency and Low Recency category. High Recency is considered Active customer where campaign category can be cross/up-selling and promotional accordingly with their Frequency and Monetary category. Mid Recency category is considered Risky customer where campaign category can be retention program accordingly with their Frequency and Monetary. Last, Low Recency is considered already Churn customer where campaign category is to conduct reactivation.