Open Banking API and Employee Competency: Driving Remittance Performance and Customer Growth in Islamic Banking

Arina Al-Haque; Andreas Hadiyono

doi:10.56741/jnest.v5i02.2015

Open Banking API and Employee Competency: Driving Remittance Performance and Customer Growth in Islamic Banking

Authors

Arina Al-Haque Universitas Gunadarma
Andreas Hadiyono Universitas Gunadarma https://orcid.org/0000-0003-0717-1665

DOI:

https://doi.org/10.56741/jnest.v5i02.2015

Keywords:

Active Partners, Employee Competency, Islamic Banking, Open Banking API, Remittance Business Performance

Abstract

This paper analyzes the impact of employee competency and business performance on the effectiveness of remittance services, with Open Banking API implementation acting as a supporting technological enabler. The study focuses on an Islamic bank undergoing digital transformation. A quantitative approach was employed using questionnaire data from 40 remittance employees, analyzed through regression methods, and complemented by a before-and-after system performance evaluation based on operational data from 2022 to 2024. The measurement instruments demonstrated excellent reliability (Cronbach’s α > 0.96) and validity (p < 0.05). The statistical results indicate that employee competency has a significant positive effect on remittance business performance. Concurrently, the implementation of the Open Banking API significantly reduced average transaction processing time by 80% (from 10 seconds to 2 seconds), which directly contributed to a 52.9% growth in active partners. Grounded in the Resource Based View (RBV) theory, these findings highlight that orchestrating complex API integrations requires parallel human resource readiness to maximize organizational performance and active partner growth.

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Author Biographies

Arina Al-Haque, Universitas Gunadarma

is a Master’s candidate in Information of Management System program at Universitas Gunadarma, Jakarta, Indonesia. Currently conducting research on product remittance. (email: alhaquearina18@gmail.com).

Andreas Hadiyono, Universitas Gunadarma

is a Lecturer in Master of Information Management System (MIS) program at Universitas Gunadarma, Jakarta, Indonesia. (email: andre.hadiyono@gmail.com).

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