As the technology develop rapidly, people’s life is more convenient in many aspects. For instance, technology is facilitating the way people shop. In this day and age, people does not need to go to market to buy things they want as they can get it by online shopping. This way is certainly saving the time, the money as well because they do not need to pay the transportation cost. However, with the assistances that technology offered, not all people are overly dependent on technology. Some of them, mostly baby boomers gen, tend to life the old-fashioned way. This research aims to find out the difference among three generations, including baby boomers, millennials, and digital natives in their dependence on technology and how it affects their shopping behavior including the shopping objective, shopping frequency, deciding online or offline, shopping hour as well as brand choice. This study investigated about 138 persons, consisted of 30 (22%) baby boomers, 34 (25%) millennials, and 74 (53%) digital natives. The data were collected using the questionnaire consisted of 29 questions related to daily interaction to technology and shopping behavior. Oneway ANOVA was used to analyze the data. The result shows that among baby boomers, millennials, and digital natives have different responses of their technological dependence relating to shopping behavior. However, there is no significant difference among three generations. Each generation have different trait of shopping. Thus, the marketer should to know what kind of generation of their target in order to give the appropriate marketing.

The 4.0 industrial revolution has encouraged technological innovations that have disrupted or fundamental changes to people‟s lives. Unexpected changes become a phenomenon that will often appear in the industrial revolution era 4.0. To maintain the existence of an company, not only the right strategy is needed but also knowing the Islamic banking business model in BPRS is an important thing to consider. Besides, the business model in the BPRS must continue to be innovated. This research that entitled “Analysis of Banking Innovation with Business Model Canvas in BPRS Suriyah Cilacap Central Java”, has problem statements about how the banking innovation and the SWOT analysis of each Business Model Canvas‟s element in BPRS Suriyah Cilacap. The purpose of this research are to find out the banking innovation and the SWOT analysis of each Business Model Canvas‟s element in BPRS Suriyah Cilacap. This type of research is field research by descriptive qualitative method. The research was collected by observation, documentation and interviews with informants who have good knowledge about marketing and operational BPRS Suriyah Cilacap. The result of this research mentioned that even though BPRS Suriyah Cilacap has good achievements, it must continue to really makes a business model in his banking innovation, then test and analyze it. It still has shortcomings in executing marketing plans. It must continue to make better customer relationships as opportunity to make a big market and must have good action on the challenges of technological development.