Application of Service-Oriented Architecture with Middleware at Bank XYZ to Implement the PDAM Payment
Abstract
This research presents a significant innovation in the era of digitalization, where Bank XYZ implements service-oriented architecture (SOA) using middleware to offer the PDAM (Regional Water Company) payment. The objective of this research is to enhance the efficiency of the payment process and provide better services to PDAM customers. The proposed method for implementing SOA is SOMA (Service Oriented Modelling Architecture), which serves as the foundation for optimizing service integration. Through requirement analysis, system design, implementation, and testing, this research ensures the functionality and reliability of the implemented payment system. The research results indicate that the implementation of SOA with middleware using the SOMA method has successfully improved the efficiency and quality of the PDAM payment services at Bank XYZ. This method represents the latest solution for complex systems, enabling PDAM customers to experience a more efficient and responsive payment process. This research makes a valuable contribution to improving the payment process and may serve as an inspiration for other banks in this digitalization era.
Downloads
References
Abidin, Z. (2019). Analisis Penerapan Islamic Good Corporate Governance (IGCG) pada Bank Pembiayaan Rakyat Syariah Hikmah Wakilah Banda Aceh. Tadabbur: Jurnal Peradaban Islam, 1(2), 192–212. https://doi.org/10.22373/tadabbur.v1i2.16
Achkasova, S., & Malyshko, Y. (2021). Development an optimization plan for redistributing pension assets applying information technologies. Eastern-European Journal of Enterprise Technologies, 6(13-114), 72–79. https://doi.org/10.15587/1729-4061.2021.245384
Ayvazli Aykhan Nizami. (2021). The Experience Of The Worlds Leading Countries In Improving The Management Of Commercial Banks At The Present Stage, Contributions Of This Experience To The Banking System Of Azerbaijan. InterConf, 54–61. https://doi.org/10.51582/interconf.7-8.11.2021.004
Bondarovich, E. P., Zhilkin, O. N., & Zhilkina, A. N. (2021). Smart Technologies in the Modern Economy. In Lecture Notes in Networks and Systems (Vol. 155, pp. 434–444). https://doi.org/10.1007/978-3-030-59126-7_49
Chetioui, Y., Lebdaoui, H., & Hafid, N. (2023). Mobile banking usage in the postpandemic era: Demystifying the disparities among divergent user segments in a majority-Muslim country. Journal of Islamic Marketing.
Cocco, L., Pinna, A., & Meloni, G. (2020). A Blockchain Oriented Software Application in the Revised Payments Service Directive context. Proceedings - 2020 IEEE/ACM 42nd International Conference on Software Engineering Workshops, ICSEW 2020, 762–769. https://doi.org/10.1145/3387940.3391498
Darmawan, T. (2020). Electronification Design Of Bill Payment Transactions Using Service Oriented Architecture (SOA) At Bank ABC. International Journal of Emerging Trends in Engineering Research, 8(4), 1434–1438. https://doi.org/10.30534/ijeter/2020/80842020
Ezrokh, Y. (2021). Implementation of retail payments by QR-code in Russia as a driver for the development of national payment system (economic aspects). Moscow University Economics Bulletin, (1), 168–188. https://doi.org/10.38050/01300105202118
Firdaus, & DKK. (2019). Aplikasi Metodologi Penelitian. Cendikia, pp. 303–308.
Gaol, F. L., Nugraha, G., & Matsuo, T. (2023). Decision as a Service for Transaction Banking using Service-Oriented Modelling Architecture methodology. IEEE Access. https://doi.org/10.1109/ACCESS.2023.3268284
Gautam, S., & Devkota, S. (2021). Study on Internet Banking Services of Commercial Banks in Nepal. Journal of Business and Social Sciences, 3(1), 111–120. https://doi.org/10.3126/jbss.v3i1.40859
Jamil, F., Cheikhrouhou, O., Jamil, H., Koubaa, A., Derhab, A., & Ferrag, M. A. (2021). Petroblock: A blockchain-based payment mechanism for fueling smart vehicles. Applied Sciences (Switzerland), 11(7). https://doi.org/10.3390/app11073055
John, N. J., Emmanuel, N. C., Ikechi, K. S., & Eke, C. K. (2020). Cashless Policy and the Nigerian Payment System. International Journal Of Innovation And Economic Development, 5(6), 7–28. https://doi.org/10.18775/ijied.1849-7551-7020.2015.56.2001
Josuttis, N. M. (2007). SOA in practice: the art of distributed system design. “ O’Reilly Media, Inc.”
Kunaifi, A., Ali Sad, A., & Mawardi, A. (2023). Opportunities Analysis of Indonesian Sharia Bank (BSI) Become Top 5 Bank in Indonesia Based on Asset Strength and Vision Mission. Majapahit Journal of Islamic Finance and Management, 2(1), 1-22. https://doi.org/10.31538/mjifm.v2i1.21
Lee, G., & Megargel, A. (2021). Empowering Singapore’s SMEs: FinTech P2P lending-A lifeline for SMEs' survival? In Journal of Digital Banking (Vol. 5).
Margatskaya, G. S., & Margatskyi, R. V. (2020). Digital technologies in the financial market of Kazakhstan. Bulletin of “Turan” University, (3), 134–140. https://doi.org/10.46914/1562-2959-2020-1-3-134-140
Mutlu, A. T., & Durmaz, Y. (2021). Bankaların Satış ve Pazarlama Faaliyetlerinin İncelenmesi ve Oluşan Hizmet Kalitesinin Ölçülmesi. Anemon Muş Alparslan Üniversitesi Sosyal Bilimler Dergisi, 9(5), 1309–1331. https://doi.org/10.18506/anemon.763002
Pakpahan, R., Sinaga Simanjorang, E., & Prayoga, Y. (2022). Performance Evaluation of SAMSAT Office Employees in Motor Vehicle Title Transfer Fee Services at The Rantauprapat SAMSAT Office. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 5(2), 887-901. https://doi.org/10.31538/iijse.v5i2.3926
Pocher, N., & Zichichi, M. (2022). Towards CBDC-based machine-to-machine payments in consumer IoT. Proceedings of the ACM Symposium on Applied Computing, 308–315. https://doi.org/10.1145/3477314.3507078
Saputra, M., Hendarsyah, S. P., & Witjaksono, W. (2020). Utilization of Service Oriented Architecture to Customize Accounting Business Process in Open ERP System for Smart SME’s. International Journal of Innovation in Enterprise System, 4(02), 13–22. https://doi.org/10.25124/ijies.v4i02.63
Sengupta, D., & Shastri, N. (2019). Digital payments through PFMS - Facilitating digital inclusion and accelerating transformation to a “Digital Economy.” ACM International Conference Proceeding Series, Part F148155, 196–201. https://doi.org/10.1145/3326365.3326391
Sharma, S. S. (2020). A note on the Asian market volatility during the COVID-19 pandemic. Asian Economics Letters, 1(2).
Toha, Mohamad & Habibah, N.J. (2023). MSME Empowerment and Development Program to Increase Consumer Satisfaction. Sahwahita: Community Engagement Journal, 1(1), 26-39. https://e-journal.bustanul-ulum.id/index.php/Sahwahita/article/view/24
Toha, M., & Aini, Q. (2022). Analysis Customers’ Interest to IB Faedah Savings. Majapahit Journal of Islamic Finance and Management, 1(2), 151-163. https://doi.org/10.31538/mjifm.v1i2.19
Zulkarnain, Z., Pitriyani, P., & Halim, A. (2022). Work Ethics, Progressive Discipline, and Work Engagement on Job Satisfaction of Labuhanbatu District Education Service Employees. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 5(2), 919-935. https://doi.org/10.31538/iijse.v5i2.3927
Copyright (c) 2024 Abd. Halim, Sani Muhamad Isa
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
