This study aims to examine banking service technology and intellectual capital to the stability of the bank. The results of panel data regression analysis on 81 commercial banks in Indonesia with observations in 2013 - 2015 obtained from the results of financial service technology and intellectual capital have a significant effect on the stability of commercial banks in Indonesia. Likewise, with each component of intellectual capital consisting of VAHU, STVA has a significant effect on bank stability in a positive direction, while VACA has an influence on bank stability in a negative direction. Both analyzes show that financial service technology and intellectual capital both calculated with VAIC and each component of VAIC show no difference in effect on bank stability. The findings of this study strengthen the RBV theory where tangible resources and intangible resources are the main capital that must be owned by the company in order to achieve competitive advantage in the era of industrial development 4.0.

The Covid 19 pandemic is a situation that illustrates the uncertainty of economic conditions nationally and globally and has an impact on how individuals should react to it in financial terms. Therefore, this study aims to examine the effect of financial literacy and mental accounting on financial decisions and spending interests in the COVID-19 pandemic situation based on prospect theory and behavioural life-cycle theory. The results of research on lecturers and staff respondents at STIE Equity Bandung - Indonesia, the SEM-PLS analysis results show that financial literacy and mental accounting have an effect on financial decisions, and only mental accounting has an effect on shopping interest. In terms of prospect theory, the research findings found that in pandemic situations, individuals generally behave in risk-aversion behaviour. Meanwhile, in the viewpoint of the behavioural life-cycle theory, individuals view money as current assets with precautionary reasons.

In the era of the industrial revolution 4.0, consumer behavior in finding and obtaining information shifted from print media to be more dominant, using electronic media. The increase in the number of individual consumers in using it can be influenced by the quality of the website that can provide the information that customers need. Website quality is one determining factor whether consumers want to make transactions through the website, because consumers fully rely on the information owned by the website so that trust arises to decide to buy. For the banking industry, digital marketing is a reliable way because it is proven to be effective and efficient, especially through the website. Information on banking products can be presented, through the website, some transactions can be served well, this shows the quality of the website that is owned is very good and can be a factor driving customer loyalty by making repeated transactions using the website and will not be affected to switch to competitors. When customer loyalty is formed, it will certainly affect the performance of the bank because the company can make cost savings in getting new customers. It is an effective way to increase company profits. The results of the study have significance with p-value <0.01 so that there is a direct influence on web quality (X) on financial performance (Z) and there is no mediation through customer loyalty (Y) on financial performance (Z) because the p-value is greater than 0.01.