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The purpose of this study was to analyze the level of understanding of the QRIS community, to analyze the use of QRIS, to analyze the community's response to the convenience of QRIS and to analyze the public response to the socialization of the Indonesian Standard Quick Response Code (QRIS) in Tarakan City. The analytical technique used in this study uses a qualitative research approach. The results showed that the level of public understanding of the Quick Response Code Indonesian Standard (QRIS) in Tarakan City was quite good. The use of the Indonesian Standard Quick Response Code (QRIS) in Tarakan City is quite good and many people have used QRIS. The community's response showed interest in using QRIS after knowing its function, felt interested in using it, was not interested in using it and had used QRIS. And the community response from the QRIS socialization was also quite good.

This type of research is explanatory research, the approach used is a quantitative approach with a total sample of 74 employees. The objectives of this study are 1). To test and analyze whether HR competencies, individual characteristics, and morale have a simultaneous and significant effect on employee performance at Bank Sarana Prima Mandiri Pamekasan. 2). To test and analyze whether HR competencies have a significant effect on employee performance at Bank Sarana Prima Mandiri Pamekasan. 3.) To test and analyze whether individual characteristics have a significant effect on the employee performance of Bank Sarana Prima Mandiri Pamekasan. 4.) To test and analyze whether morale has a significant effect on employee performance at Bank Sarana Prima Mandiri Pamekasan. The results showed that 1.) HR competence, individual characteristics and morale simultaneously have a significant influence on employee performance at Bank Sarana Prima Mandiri Pamekasan. 2.) HR competency has a significant influence on the employee performance of Bank Sarana Prima Mandiri Pamekasan, 3.) Individual characteristics have a significant effect on the employee performance of Bank Sarana Prima Mandiri Pamekasan. 4.) Morale has a significant effect on employee performance at Bank Sarana Prima Mandiri Pamekasan