<em>Advances in banking technology provide convenience for customers through operational services in the form of mobile banking that allows customers to perform banking transactions through smartphones. The purpose of this study was to determine the influence of mobile banking service quality on customer satisfaction and loyalty of BUMN Bank (State-Owned Enterprises), namely Bank BRI, Bank BNI, Bank BTN, and Bank Mandiri in Makassar, South Sulawesi. This study uses a quantitative approach. Data was collected by distributing questionnaires to 120 customers using the purposive sampling technique. The data that has been collected were analyzed using SPSS (Statistical Product and Service Solutions) version 23.0. The results of this study indicate that the quality of mobile banking services has a positive and significant effect on customer satisfaction and loyalty, while customer satisfaction has a significant effect on their loyalty. Furthermore, the quality of mobile banking services has a significant effect on loyalty mediated by customer satisfaction.</em>

The purpose of this study is to analyze Islamic Service Ethics and Organizational Culture on Service Quality and Taxpayer Satisfaction at the Office of the Wajo Samsat Revenue Technical Implementation Unit. This study uses a quantitative approach (Quantitative approach), performs data analysis procedures with statistical equipment and aims to test hypotheses. Between one variable and another or how a variable affects other variables through hypothesis testing. This data is directly obtained from field research through direct observation of the object to be studied through data collection techniques in the form of interviews, questionnaires, and observations. In this study, the population selected were all 4-wheeled vehicle taxpayers in Samsat, Wajo district. Based on the data that has been collected and hypothesis testing with Smartpls. The results showed that Islamic service ethics had a positive and significant effect on service quality. Organizational culture has a negative and significant effect on service quality. Islamic service ethics have a positive and significant effect on taxpayer satisfaction. Organizational culture has a negative and significant effect on taxpayer satisfaction. Service quality has a positive and significant effect on taxpayer satisfaction. Islamic service ethics have a positive and significant effect on taxpayer satisfaction through service quality. Organizational culture has a negative and significant effect on taxpayer satisfaction through service quality.

Usaha catering menjadi tren bisnis dan jumlah pengusaha catering terus meningkat sehingga persaingan di dalam bisnis catering ini cukup ketat. Makassar sebagai kota besar yang terus berkembang, laju pertumbuhan perekonomian serta perubahan teknologi dan informasinya pun semakin cepat sehingga banyak lapangan usaha yang bermuculan, hal ini juga terjadi pada usaha bisnis catering di kota makassar yang mengakibatkan persaingan bisnis yang semakin kompetitif. Dalam kompetisi semakin ketat, bisnis catering harus memiliki daya saing yang cukup kuat untuk dapat terus bersaing dengan pesaingnya. Oleh karena itu bisnis catering harus memiliki banyak cara dalam mencapai keunggulan kompetitif. Penelitian ini bertujuan untuk mengetahui pengaruh inovasi bisnis terhadap keunggulan kompetitif pada usaha catering di Kota Makassar. Penelitian ini bersifat kuantitatif dengan hasil bahwa terdapat pengaruh negatif dan signifikan antara inovasi produk terhadap keunggulan kompetitif pada usaha catering di Kota Makassar. Hal ini menunjukkan bahwa semakin tinggi inovasi produk, maka keunggulan kompetitif yang diukur dengan harga, kualitas, dan Time to Market semakin menurun.