ABSTRACT: Industry 4.0 changes various sectors of human life, including the revolution of thebanking industry called Banking 4.0. This change gave birth to a new industry, the digital banking industry. This industry has many problems, including low bank account ownership, competition, and hampered business development due to COVID. This study tries to reveal public sentiment, public opinion, and service quality in the Google Play review of the Jenius application. Public sentiment and service quality analysis are performed using a classification algorithm. Public opinion is done by using topic modeling using the LDA algorithm. There are 71.2% positive and 25.6% negative sentiments in reviews for Jenius. The positive sentiment that is most often discussed is the ease of using the application. Negative sentiments mostly talk about slow apps, problems logging in to apps, and verification issues.In the analysis of service quality, positive sentiment is found in the dimensions of tangible, responsiveness, and efficiency. Meanwhile, negative sentiment is found in the dimensions of reliability, assurance, and empathy. Topics that havethe highest negative sentiments are login, video call verification, and device issues. In contrast, topics with the highest positive sentiments are topics about transactions, customer satisfaction, and savings.

KEYWORDS –Digital Banking, Topic Modelling, Jenius, Sentiment Analysis