Open API & Cloud Banking: Membangun Ekosistem Keuangan yang Terkoneksi
Open API & Cloud Banking: Membangun Ekosistem Keuangan yang Terkoneksi
Description
Perbankan modern dituntut untuk bertransformasi menjadi ekosistem terbuka yang fleksibel, aman, dan cepat beradaptasi dengan kebutuhan nasabah serta perkembangan teknologi. Open API dan cloud banking menjadi fondasi strategis untuk membangun konektivitas antara bank, fintech, mitra bisnis, dan nasabah dalam satu ekosistem digital. Pelatihan ini memberikan pemahaman mendalam mengenai arsitektur open API, cloud computing, integrasi sistem, keamanan data, regulasi, dan penerapan dalam layanan perbankan. Peserta akan mempelajari bagaimana teknologi ini memungkinkan inovasi produk, kolaborasi dengan fintech, real-time payment, data analytics, serta peningkatan pengalaman nasabah secara holistik.
Pelatihan ini menekankan pendekatan praktis dan strategis untuk merancang, mengimplementasikan, dan mengelola ekosistem keuangan yang terkoneksi. Materi mencakup arsitektur API dan cloud, manajemen integrasi, keamanan siber, kepatuhan regulasi, strategi kolaborasi fintech, inovasi produk digital, data analytics, monitoring dan optimasi layanan. Peserta akan mampu memimpin proyek open API & cloud banking, memastikan interoperabilitas, keamanan, dan pengalaman nasabah yang seamless, sekaligus mendorong efisiensi operasional dan keunggulan kompetitif bank di era digital.
Objectives
- Memahami konsep Open API, Cloud Banking, dan ekosistem keuangan digital.
- Menguasai arsitektur API, protokol integrasi, dan standar keamanan.
- Mampu merancang cloud infrastructure dan strategi deployment scalable.
- Memanfaatkan integrasi API untuk inovasi produk dan layanan fintech collaboration.
- Mengidentifikasi risiko siber dan mitigasi dalam ekosistem cloud & API.
- Menyusun strategi data analytics untuk personalisasi layanan dan prediksi bisnis.
- Memastikan kepatuhan regulasi OJK, POJK fintech, AML/KYC, dan data privacy.
- Mengukur performa layanan, uptime, dan kepuasan nasabah dalam ekosistem terhubung.
Course outline
1. Landasan Open API & Cloud Banking
- Definisi Open API, cloud banking, dan ekosistem keuangan digital
- Tren global dan regional adopsi Open Banking dan Cloud
- Manfaat strategis: inovasi, efisiensi, customer experience, dan revenue
- Perbandingan model banking tradisional vs ekosistem terbuka
- Benchmark best practices dan regulasi global
2. Arsitektur Open API dan Integrasi Sistem
- API types: REST, SOAP, GraphQL, gRPC
- API management: gateway, versioning, throttling, monitoring
- API security: OAuth2, JWT, mutual TLS, encryption
- Sandbox & developer portal untuk testing dan partner onboarding
- Integration pattern: point-to-point, ESB, microservices, event-driven architecture
- API lifecycle: design, deploy, secure, monitor, retire
3. Cloud Banking Infrastructure
- Cloud deployment models: public, private, hybrid, multi-cloud
- Core banking migration to cloud: lift & shift, replatform, refactor
- Scalability & elasticity: auto-scaling, load balancing, high availability
- Data storage & management: structured, unstructured, transactional
- Cloud-native applications: containerization (Docker), orchestration (Kubernetes)
- Disaster recovery, backup, and business continuity in cloud environment
4. Security & Risk Management di Open API & Cloud
- Threat landscape: cyber attacks, data breaches, API abuse
- Identity & access management (IAM) and multi-factor authentication
- Data encryption, tokenization, secure API endpoints
- Security monitoring & SIEM integration
- Compliance dengan OJK, AML/KYC, POJK fintech, GDPR/PDPA
- Risk assessment, penetration testing, vulnerability scanning
5. Data Analytics & Real-Time Intelligence
- Data collection from API interactions and cloud systems
- ETL, data lakes, and warehouse integration
- Real-time analytics: streaming, event processing, predictive models
- Customer behavior analysis and segmentation
- Personalization: targeted products, offers, notifications
- Dashboard, KPI monitoring, and decision support system integration
6. Fintech Collaboration & Ecosystem Development
- Open banking use cases: payments, lending, wealth management, insurtech
- Partner onboarding process: technical and regulatory considerations
- Revenue-sharing models and commercial agreements
- Co-innovation labs for product prototyping
- Sandbox collaboration for safe experimentation
- Integration of third-party services and microservices architecture
7. Product Innovation & API-Driven Services
- API monetization: charging models, API marketplaces
- Service composition: bundling multiple APIs into seamless offerings
- API version management for backward compatibility
- Continuous delivery & DevOps practices for API & cloud services
- Customer experience optimization through API orchestration
8. Governance, Compliance & Regulatory Requirements
- OJK regulatory framework for API & cloud banking
- Data privacy laws and cross-border data transfer compliance
- API audit trails and logging
- Reporting obligations and governance frameworks
- Internal control mechanisms for operational resilience
- Policy documentation & stakeholder alignment
9. Monitoring, Performance, & Service Excellence
- SLA definition and monitoring for APIs & cloud services
- Uptime, latency, error rate, and transaction throughput metrics
- Alerting and incident response protocols
- Continuous improvement using performance data
- Customer satisfaction and experience monitoring
- KPI alignment with business strategy and innovation targets
10. Change Management & Organizational Readiness
- Leadership role in API & cloud adoption
- Employee training on cloud-native practices, API usage, cybersecurity
- Culture transformation toward openness, agility, and innovation
- Communication strategy for internal and external stakeholders
- Incentives and reward systems for digital adoption
- Cross-functional collaboration: IT, compliance, operations, marketing
11. Studi Kasus & Simulasi Praktik
- Benchmarking bank dan fintech global dalam API & cloud integration
- Simulation: merancang arsitektur API & cloud terintegrasi
- Hands-on testing sandbox untuk fintech partnership
- Crisis management scenario: cyber attack, system outage, API failure
- Dashboard monitoring KPI real-time, data analytics, dan customer experience
Participants
- Information Technology
- Banking
- Risk Management
- Compliance & APUPPT
- Leadership Program
Method
- Pre-test
- Presentation
- Discussion
- Case study
- Post-test
Facilities
- Ruang Meeting Representatif
- Sertifikat Pelatihan Resmi
- Instruktur Profesional & Berpengalaman
- Training Kit Eksklusif
- Souvenir
- Pick Up Participant (Yogyakarta)
