student
In the face of tightening regulation, market volatility, and cyberattacks, monitoring internal risks is becoming critical for banks. This article examines the potential of business intelligence (BI) systems to ensure financial stability. Key challenges to their integration are identified: organizational resistance, data fragmentation, and outdated IT infrastructure. Recommendations were formulated, including developing a digital strategy, implementing unified platforms, and predictive analytics. Results were demonstrated using examples from large banks: a 25-40% increase in scoring accuracy and a 13-18% reduction in costs. Success requires the synchronized modernization of technologies and the development of a data-driven management culture.
business analytics, banking sector, internal economic risks, risk management, big data, machine learning, cybersecurity, digital transformation
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