Human Resource Management as a Strategic Driver of Digital Banking Transformation in the Open Banking Era: Evidence from Emerging Markets

Batubara ; Faisal Hasbullah
Jurnal Ilmiah multidisiplin 📅 2025 Vol 4, No 03 🔗 DOI: 10.56127/jukim.v4i04.2247
Abstract
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.
Keywords
Human Resource Management Digital Banking Open Banking Change Management Emerging Markets
How to Cite

Batubara & Faisal Hasbullah (2025). Human Resource Management as a Strategic Driver of Digital Banking Transformation in the Open Banking Era: Evidence from Emerging Markets. Jurnal Ilmiah multidisiplin, 4(03). https://doi.org/10.56127/jukim.v4i04.2247

Batubara, Faisal Hasbullah, "Human Resource Management as a Strategic Driver of Digital Banking Transformation in the Open Banking Era: Evidence from Emerging Markets," Jurnal Ilmiah multidisiplin, vol. 4, no. 03, 2025.

Batubara, Faisal Hasbullah. "Human Resource Management as a Strategic Driver of Digital Banking Transformation in the Open Banking Era: Evidence from Emerging Markets." Jurnal Ilmiah multidisiplin, vol. 4, no. 03, 2025.

Batubara, Faisal Hasbullah. "Human Resource Management as a Strategic Driver of Digital Banking Transformation in the Open Banking Era: Evidence from Emerging Markets." Jurnal Ilmiah multidisiplin 4, no. 03 (2025).

Batubara & Faisal Hasbullah (2025) 'Human Resource Management as a Strategic Driver of Digital Banking Transformation in the Open Banking Era: Evidence from Emerging Markets', Jurnal Ilmiah multidisiplin, 4(03). doi: 10.56127/jukim.v4i04.2247.

Batubara, Faisal Hasbullah. Human Resource Management as a Strategic Driver of Digital Banking Transformation in the Open Banking Era: Evidence from Emerging Markets. Jurnal Ilmiah multidisiplin. 2025;4(03).

Artikel Terkait

The Influence of Competence, Motivation, and Work Environment on Employee Performance in Financial Services

Rosita, Rosita; Anton, Anton; Widjaja, Dennis

Code-Switching and Code-Mixing Typologies and Functions in Negotiating Third-Space Hybridity in No Na’s “Rollerblade”

Sari, Wati Purnama

Effects of Current Ratio, Debt-to-Equity Ratio, and Return on Equity on PT United Tractors Tbk Stock Price

Suwardi, Suwardi; Ayu, Mutiara Aprima; Tanamas, Randy Reliantama

Determinants of Firm Value in Consumer Goods Industry Companies for the 2019–2025 Period

Kowanda, Dionysia; Sukmawati, Kartika; Setyaningsih, Endang

Paralinguistic Perception in Interpersonal Communication Among Blind Individuals: A Conceptual Review of The Role of Vocal Tone

Lestari, Winda Puji

Monitoring and Evaluation of Tree Seedling Planting as an Effort to Improve Food Security

Suprapti, Endang; Suroto, Suroto; Susanti, Novia
Tren Sitasi Jurnal