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The aim is to analyze the possibilities of optimizing decision-making systems in financial institutions, essentially based on a comparison of two models: centralized (corporate) BI and decentralized (business) BI under four domains — decision-making efficiency, data governance, agility and user satisfaction — The article evaluates the advantages and limitations of each approach. The study is based on a qualitative methodology combining semi-structured interviews and documentary analysis, applied to two major European banks. Based on concrete indicators (reporting time, adoption of BI tools, GDPR compliance, satisfaction), the article puts into perspective the trade-offs between centralization and autonomy, and proposes avenues towards hybrid architectures reconciling rigor, flexibility and innovation.

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Optimizing Banks’ Decision-Making Architecture in the Context of Corporate and Business-Oriented BI Models

  • 会议论文

  • 发表日期：

    2026年

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  • Efrem Mbaki Luzayisu

摘要

The aim is to analyze the possibilities of optimizing decision-making systems in financial institutions, essentially based on a comparison of two models: centralized (corporate) BI and decentralized (business) BI under four domains — decision-making efficiency, data governance, agility and user satisfaction — The article evaluates the advantages and limitations of each approach. The study is based on a qualitative methodology combining semi-structured interviews and documentary analysis, applied to two major European banks. Based on concrete indicators (reporting time, adoption of BI tools, GDPR compliance, satisfaction), the article puts into perspective the trade-offs between centralization and autonomy, and proposes avenues towards hybrid architectures reconciling rigor, flexibility and innovation.