Human Resource Management as a Strategic Driver of Digital Banking Transformation in the Open Banking Era: Evidence from Emerging Markets
DOI:
https://doi.org/10.56127/jukim.v4i04.2247Keywords:
Human Resource Management, Digital Banking, Open Banking, Change Management, Emerging MarketsAbstract
The digital transformation of the banking industry, accelerated by regulatory shifts toward Open Banking, presents both technological and human capital challenges. This study examines the role of Human Resource Management (HRM) in enabling the successful adoption of digital banking innovations in emerging markets. Using a mixed-methods approach, the research analyzes survey data from 120 banking professionals and conducts interviews with senior HR managers from five leading commercial banks. The findings reveal that HRM strategies focusing on competency development, change management, and ethical compliance significantly influence the success rate of Open Banking integration projects. Quantitative analysis indicates a positive correlation between digital skill readiness and the efficiency of API-enabled service rollouts, while qualitative insights highlight the importance of cultural transformation in overcoming resistance to change. The study offers theoretical contributions to the HRM and digital transformation literature, and practical implications for policymakers and financial institutions aiming to align human capital strategies with technological advancements.
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ChatGPT said:
Berikut daftar pustaka Anda yang sudah disesuaikan dengan format APA 6:
Kusrianto, A. (2007). Pengantar desain komunikasi visual. Grasindo.
Bringhurst, R. (2012). The elements of typographic style (4th ed.). Hartley & Marks.
Carter, R., Day, B., & Meggs, P. B. (2011). Typographic design: Form and communication. Wiley.
Kapferer, J.-N. (2012). The new strategic brand management. Kogan Page.
Paivio, A. (1990). Mental representations: A dual coding approach. Oxford University Press.
Sudiana, N. (2005). Dasar-dasar tipografi. Erlangga.
Wheeler, A. (2013). Designing brand identity. Wiley.
Warde, B. (1930). The crystal goblet: Sixteen essays on typography. Cleveland, OH: World Publishing.
Kalau mau, saya bisa satukan ini dengan daftar pustaka yang tadi Anda kirim sebelumnya sehingga menjadi satu list lengkap sesuai APA 6.
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You said:
font-size:12.0000pt;" >[1]Bazarbash, M. (2019). Fintech in financial inclusion: Machine learning applications in assessing credit risk. IMF Working Paper, WP/19/109. International Monetary Fund. https:/doi.org/10.5089/9781498317881.001
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ChatGPT said:
Berikut daftar pustaka Anda yang sudah saya perbaiki sesuai APA 6 (termasuk format italic, penulisan DOI/URL yang benar, dan tanpa nomor urut):
Bazarbash, M. (2019). Fintech in financial inclusion: Machine learning applications in assessing credit risk. IMF Working Paper, WP/19/109. International Monetary Fund. https://doi.org/10.5089/9781498317881.001
Beck, T., Frost, J., Gambacorta, L., & Qureshi, S. (2020). Fintech credit markets around the world: Size, drivers and policy issues. BIS Quarterly Review, September 2020, 17–34. Bank for International Settlements.
Bank for International Settlements. (2022). Open finance: Accessing and sharing financial data. Bank for International Settlements.
Badan Pusat Statistik. (2023). Statistik UMKM Indonesia 2023. Badan Pusat Statistik.
Jagtiani, J., & Lemieux, C. (2019). The roles of alternative data and machine learning in fintech lending: Evidence from the LendingClub consumer platform. Federal Reserve Bank of Philadelphia Working Paper, No. 18-15. https://doi.org/10.21799/frbp.wp.2018.15
Stiglitz, J. E., & Weiss, A. (1981). Credit rationing in markets with imperfect information. The American Economic Review, 71(3), 393–410.
World Bank. (2023). Open banking and open finance: Lessons and opportunities. World Bank.
Kalau Anda mau, saya bisa langsung gabungkan daftar pustaka ini dengan dua daftar pustaka sebelumnya sehingga jadi satu file lengkap dan konsisten format APA 6.
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text-indent:-21.3000pt;text-align:justify;text-justify:inter-ideograph;" >Bazarbash, M. (2019). Fintech in financial inclusion: Machine learning applications in assessing credit risk. IMF Working Paper, WP/19/109. International Monetary Fund. https:/doi.org/10.5089/9781498317881.001
text-indent:-21.3000pt;text-align:justify;text-justify:inter-ideograph;" >Bank for International Settlements. (2022). Open finance: Accessing and sharing financial data. Bank for International Settlements.
text-indent:-21.3000pt;text-align:justify;text-justify:inter-ideograph;" >Creswell, J. W., & Plano Clark, V. L. (2018). Designing and conducting mixed methods research (3rd ed.). Thousand Oaks, CA: SAGE Publications.
text-indent:-21.3000pt;text-align:justify;text-justify:inter-ideograph;" >Demirkan, H., & Delen, D. (2013). Leveraging the capabilities of service-oriented decision support systems: Putting analytics and big data in cloud. Decision Support Systems, 55(1), 412–421. https:/doi.org/10.1016/j.dss.2012.05.048
text-indent:-21.3000pt;text-align:justify;text-justify:inter-ideograph;" >Jagtiani, J., & Lemieux, C. (2019). The roles of alternative data and machine learning in fintech lending: Evidence from the LendingClub consumer platform. Federal Reserve Bank of Philadelphia Working Paper, No. 18-15. https:/doi.org/10.21799/frbp.wp.2018.15
text-indent:-21.3000pt;text-align:justify;text-justify:inter-ideograph;" >Kotter, J. P. (2012). Leading change. Boston, MA: Harvard Business Review Press.
text-indent:-21.3000pt;text-align:justify;text-justify:inter-ideograph;" >Nunnally, J. C., & Bernstein, I. H. (1994). Psychometric theory (3rd ed.). New York, NY: McGraw-Hill.
text-indent:-21.3000pt;text-align:justify;text-justify:inter-ideograph;" >Ulrich, D., Brockbank, W., Johnson, D., Sandholtz, K., & Younger, J. (2008). HR competencies: Mastery at the intersection of people and business. Alexandria, VA: Society for Human Resource Management.
text-indent:-21.3000pt;text-align:justify;text-justify:inter-ideograph;" >World Bank. (2023). Open Banking and Open Finance: Lessons and Opportunities. Washington, DC: World Bank.
ChatGPT said:
Berikut adalah daftar pustaka Anda yang sudah saya rapikan sesuai format APA 6 (perbaikan italic, kapitalisasi, penulisan DOI/URL, dan konsistensi tempat terbit):
Bazarbash, M. (2019). Fintech in financial inclusion: Machine learning applications in assessing credit risk. IMF Working Paper, WP/19/109. International Monetary Fund. https://doi.org/10.5089/9781498317881.001
Bank for International Settlements. (2022). Open finance: Accessing and sharing financial data. Bank for International Settlements.
Creswell, J. W., & Plano Clark, V. L. (2018). Designing and conducting mixed methods research (3rd ed.). Thousand Oaks, CA: SAGE Publications.
Demirkan, H., & Delen, D. (2013). Leveraging the capabilities of service-oriented decision support systems: Putting analytics and big data in cloud. Decision Support Systems, 55(1), 412–421. https://doi.org/10.1016/j.dss.2012.05.048
Jagtiani, J., & Lemieux, C. (2019). The roles of alternative data and machine learning in fintech lending: Evidence from the LendingClub consumer platform. Federal Reserve Bank of Philadelphia Working Paper, No. 18-15. https://doi.org/10.21799/frbp.wp.2018.15
Kotter, J. P. (2012). Leading change. Boston, MA: Harvard Business Review Press.
Nunnally, J. C., & Bernstein, I. H. (1994). Psychometric theory (3rd ed.). New York, NY: McGraw-Hill.
Ulrich, D., Brockbank, W., Johnson, D., Sandholtz, K., & Younger, J. (2008). HR competencies: Mastery at the intersection of people and business. Alexandria, VA: Society for Human Resource Management.
World Bank. (2023). Open banking and open finance: Lessons and opportunities. Washington, DC: World Bank.
